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

Credit Inquires needed to be removed XXXX XXXX XXXX- XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts needed to be removed XXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXXXXXX XXXX
Product: Debt collection

Received a call on XX/XX/2018 around XXXX XXXX. By a company called East point  recovery. They asked for a person named XXXX XXXX XXXX, I am not that person. I have received this call multiple times and told them to stop calling me. I am not that person. Cease and desist calling me.
Product: Checking or savings account

i had three checking accounts with navy federal credit union the first time I made a claim my ex boyfriend had someone call into the bank pretend to be me and order a new card and used to it get my money then I filed a claim the bank gave me the money then took it bank then they closed that account .the second account is still open my ex tried to XXXX  me and my kids I had to leave my home I left everything behind he used my debit card called the bank as soon as I found out the bank told me its my fault and the denied my claim and told me to go ask my ex for the money back
Product: Debt collection

I never received any information from Midland as to what debt this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report took more than 30 days
Product: Credit reporting or other personal consumer reports

I was disturbed to see inquiries from your company that I never approved. These inquiries are harming my credit and causing me significant stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX Today is XXXX XXXX, I've tried to access my credit file through www.annualcreditreport.com 3 days ago and I had an error message pop up two times for XXXX  and also Transunion which I know is violating my rights as a federally protected consumer pursuant to 15 usc 1681h ( c ) ( 1 ) ( B ) ( iv ). 

I received an error message from XXXX stating that the number I've entered didn't match their records. 

I've attached my forms of identification below
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a debt collection agency reporting inaccuracies on my credit report. It says account was opened on XX/XX/XXXX but then shows status was updated on XX/XX/XXXX going from collection to charge off. Yet, its reporting C/O every month after the 180 days of being charged off. So if the account is dead, it shouldnt have an active payment history. Due to this, the statue of limitations is being directly changed. It reports as past due of XX/XX/XXXX although charged off in XXXX. This is reporting on Experian XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies furnishing inaccuracies on my consumer file. On XX/XX/XXXX I sent a letter to US Bankruptcy asking if they furnished or was asked to furnish an alleged bankruptcy on my consumer report by the big 3 consumer reporting agencies? ( XXXX, XXXX, and XXXX ) I Received a letter dated XX/XX/XXXX from US Bankruptcy Court XXXX XXXXXXXX XXXX XXXX  stating that they are not associated with any consumer reporting agencies. What is included or expunged is from a consumer report is determined by the credit reporting agencies. Since XXXX did not get this information from the court, I need to see a copy of the documentation you have in my consumer file as to where they did receive this information. 

Federal Privacy Act of 1974 - 5 U.S. Code section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to the individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. 
citizens and legal alien residents. 

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and XXXX are reporting date filed on XX/XX/XXXX, while XXXX is reporting the date filed as XX/XX/XXXX. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do no match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. 

My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well.
Product: Checking or savings account

This complaint is against Bank of America.. 
Reason is they closed my Checking/Savings account on XX/XX/XXXX. I opened the account on XX/XX/XXXX with BOA ... I opened checking with cash of {$60.00}, I also opened Savings at the time with the amount of {$100.00} in cash..On XX/XX/XXXX I went to BOA in person to a cashier on the inside..I depostied {$480.00} into my Checking account with cash ... Everything was going good until I started transferring money from my XXXX XXXX XXXX XXXX XXXX account to my BOA account through XXXX... Which I was allowed to do, I even varied with both bank before I started it..My first transaction from my XXXX was on XX/XX/XXXX for {$100.00} into my checking account, on the XXXX of XXXX I sent another deposit into my checking once again..for the amount of {$150.00} ... I started transferring money this way because I was tired of having to drive all the way across town plus I was dealing with medical issues at this time..Anyway ... I should not be penalized because i was using the services that were available to me... They stated on the phone when I have called the Risk number multiple times way to many to count they said the bank stated that they couldn't prove it the money was mine ... Which it was as I have stated... I will attach the proof once I am allowed to ... When I have called numerous times also they said I was not allowed to submit my own paperwork showing proof that is was my money ... Let alone that should not matter if someone gave me to get by at the time... But anyways I received money from a lawsuit and also from back XXXX told BOA I was going to put money into that account when I received my money... Which I received them in XXXX and XXXX... I had over {$130000.00} in my NF account ... Which is none of BOA 's business what money was in my NF account at that time XXXX At they need to worry is that money cleared my account... Or at least call me and ask for proof..Which they did not nor did they let me submit my proof or information after they closed my account... I was told over the phone that they will do " Their own investigation '' as they see fit ... I have been dealing with this since XXXX of this year... I have not received a decision or my money back from them ... which they stated I would receive in XXXX days ... Now it has been 7 months ... This is total... XXXX.. I need your help please...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.
Product: Money transfer, virtual currency, or money service

I am writing to formally express many concerns regarding Zelles handling of disputes, most of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting issues and discrepancies, my financial institution and Zelle failed tremendously on to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these funds was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving me as a user vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX   XXXX XXXX XXXX XXXX/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

Bankruptcy reporting on Equifax is inaccurate and needs to be removed. 
The United States District and Bankruptcy Courts for the XXXX XXXX XXXX stated that they did not provide information to Equifax and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was removed off my other credit report experian will not remove after i disputed it an sent in documents of it being paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I lost my CashApp card was lost at a concert. Someone spent {$230.00}, in various places, while I was at the concert. I disputed this with CashApp and was denied. Their reason for denial was that I had made the transaction or authorized someone else to. This is not true. On XX/XX/XXXX I reported my card stolen and waited for all of my things to clear so I could dispute. I think it's terrible a company can make a call like this. They told me to contact my bank, but my bank had nothing to do with this. My CashApp balance was used. Terrible customer service or recourse action for a loyal customer. They also gave me someone else 's cash app transactions as well.
Product: Debt collection

IC Systems has put a negative mark on my credit report for a debt that not only was not owed but is also beyond the statute of limitations for the State of Michigan. My credit score is has been negatively impacted by 34 points, and this is tantamount to extortion. The information from my credit report is found below : I C SYSTEM INC XXXX XXXX XXXX XX/XX/2019{$360.00} {$360.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX threatened to enter a negative mark on my credit report if their equipment was not returned when I cancelled their service, it was, and I've been harrassed by these hellions ever since. How do I make this stop and remove this none sense from my credit report?
Product: Credit card or prepaid card

Hello there, I opened a rewards Go card with navy federal, beggining of XXXX XXXX I've been getting charged very high interest rates even making the payment above minimum payment my monthly interest rate is {$180.00}, {$160.00} every payment I started to make. I was never able to bring my owed credit down. I contacted them and I mentioned that I would Not be able to afford interested rates and they mentioned they already adjusted their APR for me. I never had an APR adjustment, I messaged them again, then they said they can not go any lower of what was given to me. During this financial hardship period they have not given me any sort of relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - Act # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXXXXXX - Acct # XXXX Am {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following information in my credit report. I have reviewed my credit report and found that there is an account reported as late, which is inaccurate and misleading.
Product: Debt collection

This complaint involves XXXX XXXX XXXX in XXXX, XXXX , managed by XXXX, and Columbia Debt Recovery LLC, dba Genesis. 

1. I went to move out of XXXX XXXX XXXX about a year ago. They gave me an express checkout form which by signing I waived any right to contest any damages. They gave this to every resident. I refused to sign. 
2. I requested an in person move out inspection that same day and got it. I went around the apartment and they found nothing wrong. I specifically ask so I wont be getting any damage charges?. They told me No, you should be good to go. 
3. Months later I got a bill from college view specifying owed {$140.00} in damages for damaging the countertop, dishwasher, carpet, and tub. I contacted my roommate ( who still lived in the unit I moved out of ) to get pictures of the supposed damage. No damage was shown. Upon sending the pictures of no damage, XXXX XXXX revised their list of damages to ~ {$70.00} if I paid now. They sent pictures of the charges that they could prove ( the carpet and tub repair ). This " proof '' only showed normal wear and tear. They could not prove any other charges, such as the countertop nor the dishwasher. I refused to pay and over the course of several phone calls, eventually a XXXX XXXX manager, XXXX XXXX, told me over the phone I wouldnt have to worry about the charges anymore. 
4. A few days ago I received a letter from a Genesis XXXX XXXX demanding I pay the full {$140.00}. I spoke with Genesis over the phone and was notified if I did not pay the full amount my XXXX XXXX would be seriously negatively impacted. 


Attached are the photos of the claimed damages sent by XXXX XXXX.
Product: Credit card or prepaid card

I was pre approved for the credit card and after applying for it, I was not given the signup spending bonus and they also pulled my credit. When I called them to add the bonus to my card, they refused. My question is then why would my credit be pulled and why would I not get the bonus despite being a trusted customer for years? After all, I applied for the card because I wanted the bonus. I wouldn't have applied for it otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company, The company reported me to the credit Bureau for XXXX over 30 days missing payment. In fact that is not true I do have all the valid information on record from the company stated that no payment required for the month I was reported as missing payment. I have had contacted the company to address the issue with them, they didn't professionally handle the matter in the right ethical business manner. 
I do have all the calls recorded every day, and still did not reach someone that can help me to correct the issue. I'm reporting this company for the bad business practices and the Ethics. 

All supporting documents are available upon request. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

Recently I checked my consumer credit file and noticed XXXX XXXX ran my credit without my permission and sold car ( s ) to someone that was not me. I have tried to work this out with them and the refuse to remove this form my credit report. I have filed a police report with the XXXX XXXX, CA Police Department XXXX Report # XXXX XXXX. I have also attached an ID Theft Report from the FTC. I am requesting that the CFPB inquire into this matter.
Product: Mortgage

The Mortgage Banker I was working with at Rocket Mortgage refused to give me a loan estimate. I asked him on multiple occasions, and he flat out refused to provide it to me claiming that Rocket Mortgage doesn't do loan estimates unless you are in Contract on a home.

I had already submitted my mortgage application and received approvals from Rocket Mortgage. I had already submitted two offers on homes, and provided addresses to Rocket Mortgage. Regardless, the Mortgage Banker refused to provide me with a loan estimate. Every time I asked, he gave me the run-around telling me that there is no point to provide this to me and that other lenders only do it bait and switch me. He said if I wanted, he can have his two-year old child give me a loan estimate with fake numbers. It didn't make any sense, and I just wanted to see what rates I qualify for and what my monthly payments would be. He treated me like I was incompetent, and continued to tell me that rates change all the time and there is no point in him giving me current rates. I work in finance and specifically, the bond market so I have a great understanding of interest rates. Regardless, he continued to stand his ground and refused to provide me with any rates. His name is XXXX XXXX, and I believe his actions were illegal. 

I decided to drop Rocket Mortgage as my lender for my next home and moved forward with another lender, but believe they should be held accountable for their shady business tactics. l used Rocket Mortgage on my previous home purchase, and it was a totally different experience. I hope that XXXX is held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time  XXXX   XXXX   XXXX  is reporting I have delinquent payments on this account. I have my bank statements showing that I have paid this account every month that the company is reporting I did n't pay the account. I have attached my statements with the dates and transactions circled to show payments.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and was sent into an anxious spiral upon reviewing it. It is clear to me that the agencies did not do their jobs to make sure that the items and information that they were reporting was accurate and this has in turn affected my life quite negatively. The information being reported is inaccurate and just incorrect and needs to be corrected.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Hard Inquires XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This account needs to be validated DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some one used my identity last year I start calling the creditors this is a identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX  XXXX - XXXX Experian XXXX  XXXX  Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007