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

Equifax, XXXX and XXXX are I major violation for not providing me notice of dispute for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX accounts XXXX Equifax XXXX XXXX and XXXX have violated FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information toconsumer reporting agencies [ 15 U.S.C. $ 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by anyperson to any consumer reporting agency is disputed tosuch person by a consumer, the person may not furnish theinformation to any consumer reporting agency withoutnotice that such information is disputed by the consumer. 

Equifax, XXXX and XXXX will need to provide proof that they gave me notice of dispute for all accounts I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquires listed below are fraud. They should be removed from credit report ASAP. 

Inquiry details XXXX XXXX  ( Auto ) XX/XX/year> XXXX CA ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  CA ( Finance ) XX/XX/year> XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX CA ( Finance ) XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I, the consumer and natural person, was denied credit by CAPITAL ONE while I applied for a CREDIT CARD. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 U.S.C 1691k. CAPITAL ONE is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response i received. CAPITAL ONE is in violation of U.S Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on behalf of CAPITAL ONE.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancy my financial institution and zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that zelle has not only neglected to protect customers but also allowed repeat offenders to exploit the system leaving user vulnerable to the scams. 
This lack of accountability and transparency is unexplainable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, through the website XXXX XXXX I found out that an " On Site Manager '' did a credit inquiry of me through Equifax. I had not authorized any credit inquiries this year, so I immediately contacted Equifax. On or about XX/XX/2019, I called Equifax and told the representative about it. I asked him to remove this inquiry since it's XXXX and unauthorized, but the representative said he can't help me with that. 

I asked for a free copy of my credit report from Equifax. On XX/XX/2019. my credit report arrived and I found out it was XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX ) that had pulled my credit report. This is unauthorized and I had never heard of this company before. If you look at their XXXX profile, you will find that I'm not the only victim : XXXX XXXX XXXX I called XXXX and nobody answered the phone. 

I ask for your help to demand Equifax to remove this credit inquiry from my report, and also look into this XXXX company. This link has more info about this company : XXXX XXXX XXXXXXXX
Product: Credit reporting

I initiated this dispute with XXXX on XXXX/XXXX/15 after business hours. The very next morning, I received a notification from another credit bureau that I pay a fee to monitor my credit report that every account I disputed ( with the exception of XXXX had be updated ). I find it hard to believe Equifax was able to " verify '' the validity of those accounts in less than XXXX hours. In addition, they waited until the end of the XXXX day period to advise the information was factual and would remain. There is a clear issue of ethics and integrity with this credit reporting bureau. They are not actually verifying items, they are simple identifying them as valid. They have an obligation to verify and report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to this company asking them to remove incorrect information and that I have not given them or anyone else permission to have my personal information or have a credit report. They refuse to delete items that are false. They have wrong addresses and even has loans that I never had. I have told them several times I did not give them permission to have a credit report file and I want it deleted and permanently removed. As a result they have subjected me to Identity theft and caused harm to me with their security breach.
Product: Credit reporting or other personal consumer reports

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXXXXXX XXXX Account number private, Balance {$430.00}, Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account number private, Balance {$1600.00}, Opened XX/XX/XXXX XXXX Bank, Account Number private, Balance {$270.00}, Opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$3300.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Product: Credit card or prepaid card

Hello sir My name XXXX XXXX and I have got union bank credit card .credit card number is XXXX.this credit permanentlly closed month of XX/XX/2019 and pay full credit limit balance but this card payment due to continued till dated and 12 missed out payment show my credit score and my credit score impact due to this union bank credit card plz checked and correct information provide to credit card beuro report
Product: Money transfer, virtual currency, or money service

I used WaveApps.com to accept my customer, XXXX XXXX XXXX payments. I completed the service and delivered my works to XXXX XXXXXXXX. 

XXXX XXXX received my work files ( XXXX XXXX ) XXXX XXXX issued a refund from the credit card company. 

WaveApps gave me a short notice email informed me of the charge back and closed my account. I received non-payment for the works I've done and I lost my account. 

WaveApps didn't protect my right and did not provide any information on the website or the email before I used their service. 

I also submitted my complaint to the New York State Department Of Labor for non-payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX  and Equifax. It still remains after they responded to this agency that they would have it removed. 
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from XXXX. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Federal Adjustment Bureau Inc, XXXX 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 a consumer reporting agency can not furnish an account without my written instructions. 

This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. 
The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies.

As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Product: Student loan

In XX/XX/XXXX, my wife and I consolidated our Direct Federal Student loans into the Federal Family Education Loan Program managed by Sallie Mae shortly after we married. Since XXXX, we have paid {$100000.00} toward the loan disbursement of {$100000.00}. Unfortunately, we still have a loan balance of {$110000.00}. 

I have been working in XXXX XXXX since XXXX. In XXXX, I learned about the Public Service Loan Forgiveness program and contacted Sallie Mae at that time inquiring of what I needed to do to qualify. I was told I needed to enroll in income-based repayment plan and make 120 payments. I enrolled in IBR plan in XX/XX/XXXX, despite seeing an increase in my monthly payments, with expectation of having my student loans forgiven in XXXX. I have since had monthly payments directly debited from my checking account every month WITHOUT missing a single payment over the last 9 years. 

Fast forward to present and I recently learned the FFELP joint consolidation loan my wife and I have is not eligible for PSLF program, despite us both having Federal Direct loans that would otherwise qualify for the program. I applied for Direct Loan Consolidation with XXXX in order to qualify for PSLF and received notice this week that my application was denied because the FFELP joint consolidation " may not be included in a federal student loan consolidation ''. I reached out to Navient and again told FFELP and joint consolidation loans are not eligible for PSLF program. 

What's really sad is we are literally " stuck '' in this FFELP loan. At this point, we have no options to allow us to refinance. 

This is an issue that needs to be addressed ASAP. Any help you can provide in getting this fixed will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Hard Inquiries under 15 U.S.C. 1681 and Related Laws Dear Experian, I am writing to formally dispute unauthorized hard inquiries on my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and related sections. After reviewing my credit report, I identified the following hard inquiries, which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681 ( b ), credit reporting agencies are required to ensure that only authorized inquiries appear on a consumers credit report. Additionally, 15 U.S.C. 1681 ( n ) holds entities accountable for willful noncompliance with these obligations. 

I dispute these inquiries on the grounds that I did not authorize the companies listed above to access my credit file. I request that you investigate these inquiries and remove them from my credit report if no verifiable evidence of my authorization exists. 

In compliance with federal law, I also request : Documentation or evidence showing my consent for each of the disputed inquiries. 
Written confirmation of your findings and the removal of any unauthorized inquiries. 
An updated copy of my credit report reflecting the corrections. 

Please address this matter promptly, as failure to remove unauthorized inquiries constitutes a violation of my rights under the Fair Credit Reporting Act. 

Thank you for your immediate attention. I look forward to your response within the legally mandated timeframe. 

Sincerely, [ Your Full Name ] [ Phone Number ] [ Email Address ]
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX XXXX & XXXX  XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

I had called the original creditor and they said that I had to deal with Portfolio Recovery Associates , LLC. I called them and said that I wanted to settle the debt but would first like to have a debt verification as well as a settlement agreement letter sent to me. They told me that they could n't do both. If I wanted the debt verification, they would not do a settlement agreement. I talked with 3 different people who denied what the person before them said since it was n't in the notes and once guy actually said that since he can tell me my name, address and last for digits of my social ( which they actually asked for when I first called to verify who I was ) the debt was verified. At the end I basically had to give up and accept a settlement agreement letter that says when the company purchased the debt and who they purchased it from if I wanted to be able to settle the debt so I can clean up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. TransUnion, XXXX and XXXX have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under FCRA 611 ( a ) ( XXXX ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither TransUnion, XXXX, nor XXXX have provided me this information in the 15 day time period allowed and am making this complaint to show abuse, bias, and prejudice by not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXXXXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 )  XXXX XXXX
Product: Debt collection

a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number.
Product: Mortgage

My lender, J P Morgan Chase, has coerced and intimidated me, through the threat of impending foreclosure, to agree to a modified replacement of my existing mortgage with them; which is highly predatory and inherently illegal, since the monthly payment exceeds the amount we discussed during the "trial" process, and since the payment exceeds my total gross income, a situation of which they were, and are, completely aware. They have refused to do anything which would make my mortgage affordable, or to concede that this modification was handled improperly. It is called "Streamlined HAMP", wherein the "A" in HAMP stands for "Affordable", which it undeniably is not. In addition, they are defrauding the XXXX and taxpayers by collecting compensation, as both servicer and investor, for setting up and administering a mortgage, which clearly violates the intent of the XXXX program, if not the actual letter of regulations. Since the mortgage amount exceeds my total income, it is absolutely impossible for me to satisfy it, and I will unavoidably be in foreclosure in a matter of just a few months, and will then be both homeless and destitute, at age XXXX and in failing health.
Product: Debt collection

I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.
Product: Mortgage

On XX/XX/2019, I informed Santander Bank that I was cancelling the current home owners insurance policy and writing a new home owners insurance policy with another company. Santander requested a copy of the declaration page for the new policy which was provided to them by the new insurance provider. Santander confirmed receipt and approval of the policy. 
On XX/XX/2019 I received a letter from Santander Bank indicating that a review of the policy indicating the property may not be adequately insured. I notified the insurance company who immediately called Santander and received verbal confirmation the coverage was adequate and that the letter was sent out as a formality. I called Santander on XX/XX/2019 and also received verbal confirmation from XXXX ID # XXXX as no last names are provided. I asked XXXX to have a letter sent out to me confirming in writing that the coverage was adequate. XXXX informed me that Santander would not be sending a letter of confirmation. I asked to speak to a decision maker and XXXX said she would escalate to her supervisor to call me. I have yet to receive a call.