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

In accordance to the Fair Credit Reporting Act, XXXX XXXX
 has violated my consumer  rights.

 15 U.S.C 1681 section 602 A. States I have the right to privacy.
 The credit bureaus have failed to keep my information private.

 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. I never gave nobody the permission to furnish anything on my account. So how is this information being reported?

15 U.S. Code  6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I do not want my information shared with third parties.

15 U.S.C 1681 (2) A (i) the term consumer report does not include report containing information solely as to transactions or experience 
  If this is the case why is my report showing late payments

15 U.S. Code  1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and XXXX XXXX says the information is accurate despite it actually being a fraud account. I never opened any XXXX  XXXX account in XX/XX/year>. XXXX  XXXX won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Credit Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXDEpt of Ed
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelle handling disputes particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle, a numerous amount of times Zelle Failed to investigate my claims adequately. This is unacceptable. 
There need to be accountability for Zelle, failing their customers and our safety while using Zelle.
Product: Credit reporting or other personal consumer reports

RECENTLY, I REVIEWED MY CREDIT REPORT AND IDENTIFIED SERVAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. FROM MY UNDERSTANDING THAT YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT TO ENSURE ITS ACCURACY. HERE IS THE ACCOUNT THAT IAM ASKING YOU TO VERIFY AND VALIDATE ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX - I sold my XXXX XXXX for the payoff amount due. 

XXXX - Buy sent payment from XXXX XXXX to Hyundai Motor Finance ( via XXXX ). 

XXXX - HMF recd and processed payment ( according to XXXX XXXX ). 

XXXX thru XXXX - Title not released. 

XXXX - Called HMF ( Customer Assistance Team ) and was informed the payment had been misapplied to the wrong account. Was told it would be corrected and the Title released. Requested information to have my credit files corrected as negative information was being reported. Was told that once the payment had been properly applied, it would fix the erroneous information that had been sent to the credit bureaus. The negative information remains and needs to be erased/ updated ASAP ( as I am trying to purchase a house ). 

Late XXXX - Title recd by buyer. 

XXXX - My credit file still shows Balance = {$2900.00} and Delinquency = 60 Days Past Due and Foreclosure and Payment Status = 60 Days Past Due with latest credit file update being sometime in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I received an alert from my consumer report stating that a new collections account was added to my file. Upon checking my credit report, I found that National Credit Systems Inc. had added a negative tradeline to my credit file indicating that I owed them {$3500.00}. I was never notified by this company that they were attempting to collect a debt from me prior to adding the account to my credit profile. I then wrote a letter to the company inquiring about this debt, disputing its validity, and also requested validation that the debt belonged to me. My certified letter was signed for on XXXX XXXX, XXXX. The company then mailed me paperwork that did not validate the debt. On XXXX XXXX, XXXX, I pulled my report again and this company had not notified one or more of the consumer reporting agencies of my dispute, which is a violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I then mailed a second certified letter to the company informing them of the violation and the letter was signed for on XXXX XXXX, XXXX. The company then mailed me the same paperwork that was sent after my first letter. Again I checked my credit reports on XXXX XXXX, XXXX and one or more of the consumer reporting agencies still had not been notified of my dispute of this account. I mailed a third letter to the company again indicating the violation ; which was signed for on XXXX XXXX, XXXX. I again received the same paperwork. To date, all credit bureaus still have not been notified of my dispute of this debt with this company. I have printed a copy of all three consumer reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX which show that this account has not been marked as disputed with one or more of the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with company and supplied hand written letter to stop reporting on closed account
Product: Credit card or prepaid card

I scheduled a payment on XX/XX/2021 to be processed on XX/XX/2021. I cancelled the payment but Continental Finance deducted it out of my bank account on XX/XX/2021. I have called on XX/XX/2021 to inquire as to why it was deducted if it was cancelled. The representative I spoke with said that they would have to verify it on a 3 way call to my bank that it was in fact deducted. I could not do that due to the bank being closed. So I called back on XX/XX/2021 and the representative did a 3 way call and was able to verify that it had been deducted. She asked me if I wanted my money refunded since I had canceled it or if I wanted it credited to my account. I told her that I wanted it credited to my XXXX account instead of my bank account. She sent an email to Client Services on XX/XX/2021 and told me it took 24 hours for it to update. I checked my account today XX/XX/2021 and it still has not been credited to my XXXX  account. Therefore, I called and spoke to customer service again and now they are telling me it takes 48 to 72 business hours instead of days. I think that is absolutely ridiculous and have never heard of anything like that.
Product: Debt collection

Company has multiple statements on website indicating that retaining their services would include court action taken against debtor. Retained them under promise of court action such as liens and garnishments to be taken against debtee. 

XXXX XXXX XXXX XXXXXXXX also never disclosed anything contrary despite me requesting after retaining their services that they immediately take court action. He even blatantly represented in an email that no charges would be necessary for post collections actions such as liens and garnishments to be taken before I was reached out to by one of the companies attorneys.
Product: Debt collection

On XX/XX/XXXX a collection account from Delmarva Collections showed up on my XXXX  credit report, this account is for a school fee for XXXX XXXX XXXX XXXX XXXX I previously Disputed this account with another collection agency XXXX XXXX XXXX they were unable to provide proof of this debt they were originally charging me for {$4800.00} XX/XX/XXXX which was inaccurate and they closed the account due to my dispute. Now another agency is trying to collect on this account for {$630.00} more than the last agency {$5500.00} now, I do not believe I owe this amount and never gave any permission or signed anything stating they can tack on multiple hundreds of dollars of fees and charges. This debt they are referring to was covered by a pell grant and federal loans which I am still paying back. This is illegal and Id like this to be corrected.
Product: Student loan

I do not have my complete loan information at the moment. Currently, I am in repayment of my student loans. I have been making more than the minimum amount towards my student loans for four years, paid out about {$10000.00} and my principal and interest has not decreased. Please advice and assist. The servicer 's website provides limited information and advice, in addition, it takes about an hour to speak to a level one customer service person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?
Product: Credit reporting, credit repair services, 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. 
XXXX  XXXX XXXX Account # 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 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 or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX,, a personal loan account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to 15U SC. 1962 C Experian violated my rights by unlawful communications.
Product: Credit reporting or other personal consumer reports

My credit report shows some mistakes, particularly late payments that dont match my regular payment behavior. Please make the necessary corrections and update my account. Appreciate it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, 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, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

This complaint is about Conn 's stores. I purchased a full bedroom set and a 55-inch TV. On XXXX, the banks were closed for the holiday, and my paycheck had not cleared. Conn 's attempted to draw the payment but could not. On XX/XX/2021, I went online and paid the monthly installment. As I was making the payment, I received a call from Conn 's. I explained about the bank being closed and that I had just made the payment. I informed them I only get paid twice a month and that I wanted to change the autopayment date to the XXXX of each month. I was informed that I could not make the date change but that I have 10 days after the due date to pay the bill. Also, to change the date, I would have to have the account open for 45 days. She then suggested that I do not change the date, since it is only a couple of days and that if I paid before the 10-day grace period I would incur no late charges or interest. Since that conversation on XX/XX/XXXX, I have been called 8 times, sometimes twice a day. The latest 2 calls were received today, XX/XX/2021. XXXX 's still shows my account as past due even though the payment hit my bank on XX/XX/2021. The calls are coming to both my work and cell phone number. Several times when I answer my work number, the caller says nothing and hangs up. I have requested that they remove my number from their auto-dialers but to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

I engaged a XXXX to build a custom shower ( XXXX XXXXXXXX ). I applied for financing $ XXXX thru their affiliate finance program XXXX XXXX  months into a very bad installation/ improper, I requested the loan be killed, I will pay for it with cash. I received confirmation back from the XXXX XXXXXXXX people who set up the loan and got initial approval that the credit line was closed. XXXX called me to ask if the work was done and I said NO, DO NOT FUND, I closed this line of credit. They told me that XXXX XXXX advised them the job was complete and that XXXX XXXX was their customer, not me, and so they funded the XXXX loan the next day. XXXX XXXXXXXX is their customer and demanded payment, however, I am responsible for payments from that point on or they will persue debt collection and impact my credit rating, despite the contractors incomplete/ bad installation. This seems to me to be very illegal? I asked XXXX to provide me the contract verbiage I signed on that describes this feature/ relationship, but am just getting " Forwarded '' to different departments. They are wearing me down. I did cancel the loan months ago per the contract section on cancelling the loan. I am now being referred to their " Complaints dept ''. I think this is a XXXX issue problem, XXXX with the XXXX but the other with the finance company ( affiliated with the XXXX? ) that funded against my clear express desire and statements of incomplete work via email, XXXX, in live conversation prior to funding, messahes on their website, even text messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police report.