23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I'd like to have XXXX XXXX XXXX  XXXX XXXX explain to their debt collecting team at XXXX XXXX XXXX XXXX why they refused to respond to the requests for information and for legal, formal procedure that included service using legal mail certification standards, and failure to explain the internal risk assessment they made and the subsequent internal audit of that risk assessment, using the Truth in Lending and Servicing laws as a guide. They also refused to respond to an earlier request via the CFPB, for more explanation. Their behavior looks like Obstruction of Justice, around civil rights law prohibiting XXXX XXXX.
Product: Consumer Loan

I was in between jobs and the company repossessed my vehicle. I did pay the money to receive the vehicle back in my possession, but they are still reporting the account as an charge off.
Product: Credit reporting or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A XXXX XXXX account for XXXX XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$500.00}
Product: Mortgage

Mr. Cooper responded to my previous complaint through CFPB with a letter, and attachment ( please see the attachments ), dated XX/XX/2023 stating that they have updated my payment history. This information has NOT been updated on Mr. Cooper 's website. My account is still showing that a payment is due on XX/XX/2023. My next payment due is XX/XX/2023. 

The website needs to be updated to reflect the account as current. Additionally, the credit bureau needs to be contacted by Mr. Cooper to rectify any bad credit reporting on behalf of XXXX XXXX and Mr. Cooper.
Product: Debt collection

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asking for an investigation of inquiries on credit report and provide written signature from companies who reported unauthorized inquiries. Dispute letters sent.
Product: Credit card

I used XXXX to pay for some yoga classes, not aware that there are cash advance fees charged by Chase Bank credit cards. I can see in the XXXX app now that cash advance fees will be charged but this was not clearly spelled out when I added my XXXX XXXX credit card to the app XXXXwo weeks ago. The cash advance fee is {$10.00} per transaction so I was charged {$10.00} for each time I used XXXX to pay for a {$15.00} yoga class. I was not aware of the fees until I got my credit card statement. I was able to get XXXX fee credited but not the other from last week or the one I will be charged for todays class. A cash advance fee that is a percentage of the charge would be acceptable but a flat {$10.00} fee for all charges no matter how small is unacceptable. At a minimum, Chase should alert you to these fees when you use a payment app that links to one of their credit cards. They should also implement a much more reasonable cash advance fee. 

Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

This is in regard to a rollover request I initiated with TIAA Cref to my XXXX XXXX retirement account. I hold a total of four accounts with my former employer ( XXXX XXXX XXXX XXXX ) that is administered with TIAA. I initiated a rollover online with TIAA back in early XXXX. After waiting two weeks with no signs of account transfer or notification from the TIAA, I called and was informed that XXXX requires additional forms that needed to filled out, notarized by my spouse and sent to them. This was the first time of their lapse in communication. After having my husband notarize the apprpriate forms, I scanned and uploaded the documents to their online portal. The forms were exceedingly redundant and basically the same information filled out four times in total. To my disbelief and annoyance, only two of my accounts were transferred in early XXXX. Again no TIAA represntative reached out to me and I was only made aware when I called again that one checkbox on one of the duplicate forms was not filled out causing two of my accounts to not been rolled over. I again scanned the appropriate forms and uploaded them to their portal but again only 1 out of the 2 accounts still has been transferred as of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and, to my surprise, Experian, XXXX and XXXX are reporting a lot of incorrect information. They have several incorrect personal identifiers listed in my credit file and I am requesting that they remove any information that is not completely accurate. I am seriously concerned that the information that they are incorrectly reporting XXXX send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. I've been getting alerts from XXXX lock that my information is on the XXXX XXXX. XXXX addresses popping up under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my Experian and XXXX  credit report that i did not make, i've made several calls to XXXX, Experian and XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian and XXXX i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian, XXXX and XXXX is working together using my info TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue where my current car lease from XXXX XXXX its showing a late payment for XXXX and payment was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX.XXXX.17. I answered a solicitation by transunion to get a FREE COPY of my credit score. I made an application and they required a credit card. I complied thinking they needed for identification or future purchase choices. That wa not their intent. They signed me up for a subscription service ( there is no mention of a charge or subscription in the add. I called and the young Lady helping me very pleasantly cancelled the subscription and refunded the charge. My thanks to her!!! Now on to the problem ; I have a subscription service with XXXX.These is my credit scores as reported by EACH SERVICE to XXXX : Credit Scores XXXX As of XX/XX/2017 XXXX XXXX XXXX TransUnion As of XX/XX/2017 XXXX XXXX XXXX XXXX As of XX/XX/2017 XXXX XXXX Average XXXX Credit Score for your zip code, XXXX, is XXXX. Now, if I go to the transunion site, they have my score at XXXX ( giving it a XXXX XXXX ). Same company, two very different scores. This is fraud!!! The difference in the two scores is catastrophic to my creditworthiness. A XXXX pt difference reported by the same credit reporting service ( transunion ). Several inquiries, form reports ( which are VERY USER UNFRIENDLY ) and a telephone call did not correct the problem, nor did they even address my specific complaint.I am attaching three responses from transunion to support my claim. Please do not post my private information. The complaint itself you may publish. I look forward to your response and an apology from transunion, and any damages you may want to award me. Sincere Regards XXXX XXXX
Product: Payday loan, title loan, or personal loan

National Credit Adjusters for {$3500.00} for a loan they have the wrong last name for 2019.
Product: Checking or savings account

I had an email that stated " We will no longer offer XXXX TIME CODES TO YOUR EMAIL. PLEASE UPDATE YOUR PHONE NUMBER! '' I tried to update my phone number. I got an email saying a change was made to the account " PHONE NUMBER ( XXXX ) XXXX was added. If you DID NOT MAKE THIS CHANGE CALL THE XXXX number '' I disregarded it because I MADE THE CHANGE! Then the last few days I have been told " Your online access and XXXX XXXX are LOCKED due to suspicious activity go to the local branch or call ( XXXX ) XXXX. '' I called the number as I am in XXXX, XXXX. I told them " Look you all know I am in XXXX. I did not plan to be here this long as it is but because someone knows my SSN and made the threats " I know your social security number, I know your address, I know everything about you I will now come with a XXXX to XXXX  you. '' I had no choice but to leave the country for safety reasons. I am a mother of XXXX kids. NOW I need this account unlocked so I can have access to my funds. I can not find the balance or anything while it is locked. I was told to call the local branch and see what they can do. The local branch says only the XXXX number can do this block call them again. I had to call them again and I asked for a manager in the XXXX department. They told me to call the local branch again and tell them to talk to XXXX if they need to but at this rate, they are costing me a XXXX XXXX XXXX XXXX to even SHOW UP in XXXX USA! I was threatened and as long as this man is having some random female call XXXX as me and using an OLD last name it proves I am unsafe in the USA! This must be resolved as remotely as possible as my XXXX son 's check goes to that account and we use that to pay our bills here for food and clothes for him. He needs me to support him and I do. We are staying safe this way. As long as we are safe that should matter! It does not matter if I am outside the USA. I told them I accept the International fees. They don't want me to keep the account open as long as I am safe! XXXX XXXX would see this as " Putting a customer at life harm 's risk due to a potential XXXX '' This is a matter of safety and MUST be looked as such!
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX  XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXI, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XXXX  XXXX, 2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit files. Today I found the following as a hard inquiry. 

I contacted them, and was told that my account had been approved and that credit cards were being sent out. I did not request this account nor did I attempt to open any credit cards or accounts. 

They verified my information and told me they would cancel the applications, cards and contact the credit bureaus to delete the inquiry. However I am very concerned with my fraud alerts being posted and them approving credit and cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX
Product: Debt collection

I do not have a contract wit h Enhances Recovery Company in the amount of {$1000.00}. I am not liable for collection of this debt from  XXXX    XXXX   XXXX . I am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Mortgage

OnXX/XX/XXXX I contacted my lender, Freedom Mortgage to request that my PMI be removed from my loan since my mortgage balance had dropped below the required 80 %. The original loan amount was {$210000.00} and the balance owed as of XX/XX/XXXX statement was {$160000.00}. I was asked to fax a letter to the lender requesting my PMI be removed. I was told that I would receive instructions on what to do in a few weeks. As of XX/XX/XXXX I had received nothing from the lender so I called. After 3 attempts with different staff I was told that my fax was n't received. I have a fax received confirmation. I was asked to email my request so I did on the same day. Today I received a call from the lender and was told that I had to order an appraisal and pay for that myself. I told them that since my balance owed had dropped below the 80 % the PMI should be removed automatically. She also told me that since I was making accelerated payments this posed a potential issue, I did n't understand this statement. My minimum payment is {$1500.00} and I have been paying {$2500.00} to pay off the loan faster.I was put on a long hold and the staff came back on the line and said she was trying to reach a manager. I asked her to please call me back since I did n't feel me waiting for over 20 minutes was fair. I have heard nothing since the then. 

I have attached a copy of my XX/XX/XXXX loan statement and copies of my fax request, fax receipt confirmation, Email request and email receipt confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  HAS BROKEN THE LAW!!!!!! 

I am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose.

The information on this account is not 100 % accurate, as required by the FCRA. The dates for " Date Opened '' and " Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. 

I request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX to report anything to my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I submitted my report as i was supposed to. Equifax refuses to remove or block the items that were not mine due to Identity theft when the other bureaus did. My ID Theft report with the FTC was XXXX. Not only was my information stolen a while back, it was also compromised by Equifax themselves as i am currently awaiting my check for the information breach. I have reached out to them TWICE in an attempt for them to fix my report but they have ignored me and/or refused to do anything about it or contact me about it. I am just trying to move forward with my life and they are not letting me do so.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's approach to handling disputes, particularly following the recent lawsuit filed by the CFPB, which exposes critical flaws within the platform. Despite numerous transactions through Zelle and reporting discrepancies, neither my bank nor Zelle took sufficient steps to investigate my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be done. The CFPBs findings suggest that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to take advantage of the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and concerns me for consumer safety.
Product: Credit card or prepaid card

I opened this card ( Comenity-Victoria 's Secret ) in XXXX of XXXX. I have been on time with all my mailed payments each month. All of the sudden this year they claim I have been late even though I've been mailing them at least 5 days before due date like I always do. They have charged me {$99.00} in late fees this year. XX/XX/XXXX = {$29.00}, XX/XX/XXXX = {$35.00}, and XX/XX/XXXX = {$35.00}. I don't think i should have to pay these since its not my fault I mailed them on time. I should'nt have to guess how long it will take for them to process it.