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

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. In result I got in contact with my local police and the federal trade commission. I need your help now, please. I need these items deleted from my report. I'm working on this all on my own XXXX  XXXX. There are a few inquiries I see that are not mine as well XXXX XXXX. XXXX/XXXX, XXXX/XXXX ond XXXX
Product: Money transfer, virtual currency, or money service

i am writing this to formally express my concerns reguarding zelles handling disputes particularly in light of the CFPB lawsuit highlighting significant issue with its platform.despite using zelle plenty of times reporting discrepancies my XXXX XXXX & zelle failed to investigate my claims correctly they informed me that lost funds where inadequate in other words i wasnt able to get my money back. the CFPBS finding indicates that not only has zelle failed to protect their customers but also allowed repeat offenders to exploit the system leaving us users vulnerable to scams.
Product: Consumer Loan

GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE. 

I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU. 

I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!. 

I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE. 

XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed through XXXX XXXX by making a payment through XXXX. The scammer messaged me with the name XXXX XXXX to purchase my headphones that were priced at {$290.00}. Hi insisted on making an early payment before meeting and insisted on using XXXX. I provided my QR but they insisted my email address. They claimed to make the payment and I received an email saying that I could not receive the transaction because my account was not a business account. The instructions were that XXXX should send an addition al {$290.00} and I should directly refund him {$290.00} for me to receive the payment. They claimed to make the additional payment and I made a refund deposit following. An additional email came giving me the same instructions but for twice the amount. 
I reported this to Chase and XXXX to stop the transaction or make a dispute, but they claimed that these cases where out of their hands.
Product: Debt collection

Someone signed my name and used my information to obtain a lease for an apartment. I filed a police report, filed a fraud report with the FTC, filed a dispute with the collection company and notified the apartment complex but they still insist the debt is mine.
Product: Student loan

On XX/XX/2017 I called the Department of Education and got transferred to a line that checked whether I qualified for any full or partial loan forgiveness. I was told I qualified for the 'best program ' of partial forgiveness, a 'revised pay as you earn ' plan that would be based on 10 % of my income, to be re-evaluated every year, with payments starting as low as {$12.00} a month, for 20 years. After 20 years the rest of my debt would be completely forgiven. The suspicious piece is that they asked for a payment of {$590.00} for the legal fees associated with taking over my loans - when I asked whether that made my loans private, they said no, and when I asked if this was directly affiliated with the Department of Education, they said yes. I talked to XXXX XXXX. I said I could not pay the {$590.00} today ( which they asked me to pay immediately ), and they said I could pay in installments of {$150.00} today, then 4 monthly payments of {$140.00}. They have since taken {$150.00} and 1 payment of {$140.00}. They then emailed me documents to sign, asking for the first 2 pages of my tax return or last 2 pay stubs, a notarized limited power of attorney, and an authorization for release of information, which I have not signed or returned as I am afraid I have been scammed and do not want to use this service. This is all from the Student Loan Help Center, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. Upon researching them more, they are not a recommended avenue for student loan management, the " Student Loan Help Center '' is a fictitious name for Brelvis Consulting LLC.
Product: Credit reporting

I have several collection accts that are not mine due to fraud XXXX and several credit inquiries that I did n't authorize but have been unable to have these iitems removed ... I have fraud alert on my report also police report number XXXX and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 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 the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) Bridecrest- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX ( Never had late payments, Delete late payment history and update account ) XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020 the Equifax received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Equifax asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XXXX/XXXX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Equifax was not able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown hard credit enquiry by XXXX XXXX on my credit report. 

If you search on XXXX, you would find a lot of people going through the same thing but looks like XXXX XXXX aggressively is after new customers, and is pursuing credit checks without any consent or authenticating proper documents. 

Also, they have no direct line to address this kind of issue. They are asking them to send documents by mail. 

Who would do that, why not by email, or free portal where I can directly file this complaint? No dedicated phone line either. Why would waste my precious time going to mail, writing on paper and submitting to USPS, unless its a government issue? Adding a fradulent enquiry is not my mistake. 


I tried contacting transunion, these guys have no select option on their portal to submit report on credit check ( but they have option to change name etc, smaller things who cares )... Asking them to send by mail or phone. Also chat wait time was 30 minutes more, ( consistently logging me out every 5 minutes in that wait line ) Overall, there is a big loop hole in this entire process, not a single company could add an extra layer of security to prevent opening account without my verbal, face to face consent. Other than freezing my credit check. I am software professional I can do that easily but think of regular not so familiar with computers people. 

I regularly check XXXX XXXX to monitor my credit info so I found out, there would millions of other who does not do this and they will never find out what happened to their unauthorized credit checks. 

I hope the goverment agencies will enforce stricter actions against these kind of practices by this very know finance frauds.
Product: Debt collection

This debt was first incurred in XXXX 2013. I refused to pay the creditor rent in the form of cash because of lease and data breach. The conflict started when I transitioned to the property who in turn denied my form of payment was accepted at their company. I was a section XXXX tenant. I was told after section XXXX not only inspected the unit, but began sending payments to XXXX after the rental agent accepted my voucher in order to recieve those abatements on my behalf from the housing choice voucher program in XXXX, Florida. I discovered They illegally shared and sold my information to debt collectors ( whereabouts and known income source ) and were caught a part of an illegal debt collection ring. Because of them I was sued for criminal theft by a bill collector for a unpaid credit card bill XXXX XXXX court but the charge was dropped because the judge deemed it bogus and missappropriated. The lease was then breached by the collector XXXX XXXX XXXX who turned down any further payments in the form of section XXXX abatements from XXXX. and blamed the XXXX XXXX that XXXX XXXX XXXX was owned by and they then demanded another form of payment from me immediately after and then they demanded to me turn the property over unless i pay the full amount of rent on the balance. 

So this debt was incurred for the following consumer related issues : *Data Breach *Illegal Debt Collection Practices *Breach of Lease All resulting in public records & court libel, harrassment, loss of assets and property and other incurred debt, expenses, loss of time and psychological damages. 

I feel that after this experience that XXXX should dismiss this action for collection based on the true facts. Their rental agent signed into a lease agreement accepting section XXXX from XXXX XXXX XXXX and then the manager turned down the form of payment after. XXXX did NOT get paid because they did NOT accept my " form of payment '' ... ... After mind you entering into a XXXX party contract that clearly states section XXXX pays this portion ... ..
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX XXXX. On XX/XX/2022, there was a fraudulent credit inquiry placed on my Transunion Credit Report. This was due to identity theft issues brought about by a XXXX XXXX with XXXX XXXX XXXX XXXX. I have been experiencing significant identity theft due to this. XXXX XXXX agreed and complied with my evidence, that this was a Fraudulent Inquiry. And plenty of time has passed for this to be removed from my Credit File, yet it remains.
Product: Debt collection

I am writing to formally dispute the reporting of certain accounts on my credit report that I believe are inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and specifically under 15 U.S. Code 6802. This statute prohibits financial institutions from sharing non-public personal information with third-party entities without consumer consent. The accounts in question are associated with Pro Collect, which I believe has reported inaccurate information to the credit bureaus. The details of the accounts are as follows : * Creditor Name : Pro Collect INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX * Reporting Agency : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX : According to 15 U.S. Code 6802, no financial institution may disclose non-public personal information about a consumer to a non-affiliated third party unless certain conditions are met, including obtaining consumer consent. As Pro Collect is a debt collector and thus classified as a third-party entity, they should not have access to my non-public personal information without my explicit consent.

2. Inaccurate Reporting : The information reported by Pro Collect is not only shared without proper authorization but also contains inaccuracies that misrepresent my financial obligations and payment history.

3. Request for Verification : Under the FCRA, I request that you investigate this matter thoroughly and verify the accuracy of the reporting from Pro Collect regarding these accounts. If they can not provide sufficient evidence that they have complied with legal requirements concerning disclosure and accuracy, I ask that you remove these entries from my credit report.

Supporting Documentation Enclosed with this letter are copies of relevant documents supporting my claims, including : * A copy of my credit report highlighting the disputed account ( s ).

* Any correspondence I have had with Pro Collect regarding this matter. 
* Evidence demonstrating that I did not authorize any disclosure of my non-public personal information. 
Conclusion I appreciate your attention to this matter and look forward to your prompt response regarding the investigation into these inaccuracies. Please confirm receipt of this letter and keep me informed about your findings. 
Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Received calls at the following dates and times ( all times referenced are ET ) - XX/XX/2018, XXXX XXXX. - Private caller, no message left XX/XX/2018, XXXX XXXX. - Private caller, no message leftXX/XX/2018, XXXX XXXX  - " Toll free call '' XXXX, no message leftXX/XX/XXXX, XXXX XXXX - " Toll free call '' XXXX, no message left XX/XX/XXXX, XXXX XXXX. - Private caller, left message - recorded message ( not live person ) stating it was a debt collector and to press 1 or to call back at XXXX ) XXXX XXXX. - Private caller, no message leftXX/XX/XXXX - called XXXX at XXXX XXXX. ; automated system stated company was Waypoint Resource Group and there was an account associated with my phone number ; press 2 to speak with a representative ; no one available to take my call - did not leave a message XX/XX/2018 - called XXXX at XXXX XXXX. ; same automated system stated company was Waypoint Resource Group and again said my phone number was associated with an account ; pressed 2 to speak with a representative ; XXXX XXXX came on the line, asked who he was speaking with and I gave him my name, he asked my phone number, which I also gave him. He told me they were trying to reach someone whom I have never heard of. Mr. XXXX  stated he would note the account and remove our name/number.
Product: Credit reporting or other personal consumer reports

Nordstrom is unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$890.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. Nordstrom has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against Nordstrom. I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have notified the bureaus immediately after seeing that my credit was ran letting them know that these companies ran my credit without my signature authorization and knowing. 

Please have these companies remove these entries
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting this closed account fraudulently, XXXX XXXX, as 60 day Late 9 months after the account was closed with a XXXX  balance. Now its being reported as a CHARGE OFF account. XXXX XXXX  XXXX, this account was closed at my request and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. 

Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They are reporting this account as of today as a CHARGED OFF account. 

Ive attached my bank statements for XX/XX/XXXX and XX/XX/XXXX Ive attached examples of them reporting this account fraudulently numerous times when the account was closed and had a XXXX balance. 

Ive attached the debt validation letter that was sent to them. 

Ive attached the two letters they sent back to me stating they would remove this from all three credit reporting agencies.
Product: Credit card

I sent a request to Capital One and all my credit card companies in regard to a hardship. I have increased medical bills due to my son being diagnosed with a XXXX XXXX condition. XXXXXXXX XXXX and XXXX immediately put me on a hardship program that they advised was offered by XXXX XXXX It permanently closed the account and put me on a 60 month repayment program with 0 % interest. However, XXXX XXXX and Capital One refuse to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed bankruptcy ( XXXX XXXX XXXX in XXXX XXXX XXXX and Net Credit was included. At first, they called a few months after it was settled and I referred them to my attorney. They continued to put this as a delinquent debt on my credit report and I did not realize that was wrong until emailing my attorney about it. He said they could be in violation of " the stay and discharge injunction '' and he is writing an official letter to them. In the meantime, he recommended that I report this to you so that it could be resolved even faster.