23daVinci/CFPB_Complaints huggingface dataset:
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I alerted Coinbase that a portion of my money was missing ( ~ {$4000.00} - I believe but hard to tell without access to balances ). They froze my account for months with no resolution. After 3 months they said they accidentally wired me too much money once and thats why the account was frozen. I asked for supporting balances and transactions to substantiate their claim. No response. Then one day a month later my account was unfrozen but money still missing. I withdrew remaining funds and decided to just accept that some of it was missing. A few weeks later I bought new coins and my account was restricted immediately after the purchase. Essentially I could buy but not sell or withdraw. I cant get my money out. Ive called support many times and emailed them and have been told thats telephone support cant help me but they will escalate. Its been escalated for 6 months now.
Product: Credit reporting or other personal consumer reports

I was sued for a personal loan in civil court in XX/XX/XXXX. I became ill and had to sell my home. In orders to sell I had to pay off judgements. My credit report still shows a judgment with an account in collections from a collection agency called Credit Corp for XXXX. 

I disputed the report and asked it be removed from my report because it was paid in full in XX/XX/XXXX. On XX/XX/XXXX they denied my request.

My car is dead. I need a new car. I can't get a loan with this still on my report and they have been paid in full! They need to remove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to Experian Fraud Department and ask if they received my documentation that was sent on XXXX XXXX and received in the office on XXXX XXXX at XXXX XXXX They stated they have no record of the documents. The late payments are a violation of my rights according to the FCRA. Credit bureaus must send you a notification before they put an item on your credit report. I have not received any notification for any of the negative items that are currently reporting on my credit profile.
Product: Debt collection

These companies have tried several times to collect a debt ; on the weekends and late at night. I have also gotten text messages at any time of the day. I have sent information to request removal due to being unable to pay the debt, a good faith removal, with no response.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was able to refinance it from a loan that I had from XXXX and XXXX XXXX into one loan now under earnest. Initially, the monthly cost of my student loan payments took up more than 50 % of my monthly income. I struggled for months to pay both rent, to get food, and pay off my student loan. The student loan bill is the largest out of all of these. I was never able to find a job with my XXXX XXXX XXXX  that pays a comparable salary to what it cost to get the degree. I would have never gone to school for this degree if I knew that the job market had no jobs that would compensate me for my specific education. Now every single month, even since refinancing with Earnest I barely get by. Now I am about to have a baby and I have no idea what I am going to do in order to feed my family, this loan takes up an unreasonable amount of my income and they are not willing to work with me on lowering the payment without me being in debt for the rest of my life. Please, I need help. If something else doesn't happen soon I fear for my family. I worry I am going to have to raise a child homeless and couch surfing because of the unreasonable price of my degree.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 there was a letter sent to Transunion asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed 31 items on my LexisNexis Consumer Report in XX/XX/XXXX. They corrected some of the information but several items were not. I shopped online for automobile insurance in XX/XX/XXXX and discovered that several automobile accidents were still on my report. I disputed the items again on XX/XX/XXXX. I did not receive a response from LexisNexis until I contacted them on XX/XX/XXXX to get an update on my request. I finally received a letter from them on XX/XX/XXXX that my report was available on their website. The new report still lists six accidents which all involved my son and not me in any way. At the time I filed both disputes, I explained to LexisNexis that the information was related to my son who has the same name and shares my home address but owns his own car, has his own PA driver 's license, and his own automobile insurance. I have afforded them two opportunities to correct my report but they have failed to do so. Therefore, I am requesting your assistance in having the original 31 items removed from my report in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/year> : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$2400.00}. 
The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my credit report a 30 days late in XX/XX/2018 XXXX XXXX XXXX account # XXXX.I have the account in autopayment .The late payment is incorrect.Please deleted the incorrect information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I placed an order from XXXX XXXX  for {$56.00} on XXXX. I theirs to cancel the order several times with emails and received a message there was no order for me under that number or email address. Citcards reaches out to the merchant received no shipping information and only a letter stating an item was shipped and they decided this was enough. I have not received anything and I am disputing this as a fraudulent transaction since I have received nothing from the seller.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had just bought our truck in XX/XX/2017 and had made 2 payments on it before hurricane Harvey hit our area. We had several leaks in the house so my husband called 5th 3rd bank to see about deferring the payments so we could have some extra money to patch up the leaks. The bank agreed to defer the payments for 2 months XXXX and XXXX. My husband filled out the paperwork and faxed it to them but apparently it was filled out wrong and we were never notified of the issue until after the truck was repossessed the night of XX/XX/2017. My husband contacted 5th 3rd bank on XX/XX/XXXX and got the details about the paper work not being filled out right and because of that they didn't process it for 2 months of deferred payments. The bank stated that if we brought the loan up to current payment status they wouldn't defer the payments for XXXX and XXXX and it would be counted as regular payments for XXXX and XXXX and also it wouldn't be reported on our credit reports. Right away we got the money together to make the payments current and paid the repossession fees to get the truck out. After all that we thought everything was fine. Well we went to apply for a home equity loan last week and was declined because the credit report showed the repossession mark. My husband called 5th 3rd bank inquiring about the repossession mark and they referred us to this website. I would the like repossession mark and delinquent payments to come off our credit reports since we were told it wouldn't be reported in the first place.
Product: Credit reporting or other personal consumer reports

My account was on auto pay and out of nowhere auto pay was canceled or not being utilized. I did not cancel the auto pay nor did my bank decline payments for this account. I have two accounts with this company, and the other account is in great standing with no issue. Ive reached out to them to ask them can they provide me with valid answer as to why the auto pay was not active on that particular account I was been told that the bank declined payment. Being marked for two missed payments as a consumer is not OK nor should I have to deal with a mistake or problem that I did not cause. I would like them to update my credit profile. I had an issue with this same company in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I had got out of my contract with the company XXXX XXXX. I had asked for a refund through this company since all my payments were made to XXXX XXXX. Now Im being told i have to pay Performance SLc {$56.00} a month to pay off the {$1100.00} dollars then after i have to do the annual recertification by myself til my school loan is forgiven. I find it very funny that i was explained in full how the program works now that i had mentioned i would be getting a lawyer involved. When i initially signed up in 2017 i was told after the contract that my Loan was forgiven. I want out of my contract with everyone i do not need to pay anyone a service fee monthly for 21 months just so they can do a annual recertification 1 time a year. Not to mention the man i spoke to in account services was extremely rude he cut me off every chance he got. His response when i told him that it would of been cheaper for me to pay off my actual loan was thats right, but thats how this contract works. This is a complete rip off and i will be taking this further to the states attorneys office.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX Balance : {$0.00}
Product: Debt collection

Receivable Management XXXX XXXX XXXX XXXX, SC This company has been reporting on my report and calling me but not verifying information. They will not verify who they are without me giving them confidential information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act the list of Accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and seek your assistance in conducting an investigation regarding unauthorized hard inquiries that have been undertaken on my credit report without a permissible purpose. These inquiries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) ( 1 ), and I request your intervention to have them promptly removed from my credit report. 

Upon reviewing my credit report, I have identified several hard inquiries initiated by these companies. To the best of my knowledge, I have neither provided any consent or authorization nor have any business or financial relationship with the entities associated with these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To aid the investigation, I have attached copies of my dispute letters to the credit bureaus and a copy of the F.T.C. report. 

Thank you for your attention to this complaint. I'm looking forward to a quick solution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Mortgage

XXXX XXXX and CROSS COUNTRY MORTGAGE are in violation of the TRID " 3 day disclosure rule '' I requested multiple time for my closing documents so that my attorney could review them. 

Not only did i have to sign the closing documents under an amount of duress, because of my health, but i was in no way provided time to have an attorney over look the documents.
Product: Credit reporting or other personal consumer reports

I have been a customer of XXXX for over 15 years as I have leased or bought vehicles thru this company. This was not my choice but what was offered by dealer at the time. The vehicle was returned on time and in great condition. The gentleman from the dealer picked the vehicle up at my work and drove over an hour and a half to the dealership. Next thing I know months later, Im starting to get phone calls that my lease is overdue. I had no idea why they were sending me this. I called many times and requested proof, a bill something to reference this {$350.00} charge. My credit score decreased severely because of this situation and I still had no bill or no idea what they were referring to. Finally, in XXXX, I received a picture of a tire with what looks to be a screw in it. I have no idea where when how the screw couldve got in there and theyre trying to pin it on me and ruin my credit, a good 15 year long customer they continue to harass my office my cell phone various times a day and night for {$350.00}. There is absolutely no way to know where the screw came from and when and theyre trying to pin it on me. The way XXXX XXXX and their employees harassed me is unacceptable. There is no proof this happened in my ownership.
Product: Credit card

HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it, it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So, my question is how can they possibly verify it if they have no information. It was removed from my reports for one day and than magically reappeared after the CEO received my email providing them with the details from my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed unverifiable inaccurate accounts with Equifax they removed the accounts and now I am going to close my house and these accounts are back on there. I called them and they said that I need to dispute them again that these vendors are reporting again. They are violating my rights under FDCRA act. because once I disputed and they were removed Equifax is responsible to monitor my credit file and make sure they don't get added back on that's why I disputed them in the first place. They are not doing their job and breaking the law by not protecting my rights once i have disputed an account and it has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Product: Student loan

-- -- -- -- -- Original Message -- -- -- -- -- Hello, In XXXX the CFPB sued XXXX regarding the private loans issued under them and $ XXXX has been forgiven or discharged as it was created under fraudulent circumstances. I have received forgiveness for my federal loans, but have been diligently paying my private loans waiting for the news. As of that judgement in XXXX and a XX/XX/XXXX settlement of an additional $ XXXX in private debt, these loans should not be collected on any further. 

The XXXX opened these loans under false promises and threats, they committed fraud against the students, and by continuing to collect on these loans, Navient has opened themselves to liability in connection with said fraud. 

Please discharge these loans or provide me with information on how to do so. I have paid an additional 3 years after the judgments that should have erased the debt. Contact me.

_____________________________________ Response ________________________________________________________ XXXX, I understand your concerns regarding your Navient private loans and hope you find the following information helpful. 
At this time, only federal student loans disbursed to Corinthian colleges and XXXX XXXX schools have been approved for discharged under Borrower Defense to Repayment discharge claims. Unfortunately, private student loans disbursed to these school have not been granted discharge. For assistance with your available private loan options, please contact our Private loan specialist directly at the telephone number of XXXX. 
Best Regards, XXXX, XXXX XXXX XXXXXXXX Your loan servicer Your loans are serviced by Navient Solutions , LLC ( NMLS # XXXX ). 
ref : XXXX : ref