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

On XXXX XXXX, I opened up a dispute with Experian Credit Services. Within a few hours they deleted the incorrect information but then lowered my credit score 18 points because of the investigation. Their reporting of the collection, even though incorrect and removed, thus affected my credit score adversely, jeopardizing my ability to secure a home loan. As a single mother, this affects not only myself, but my children. Nothing else changed on my credit report-no hard pulls on my credit, no cards opened, no delinquencies, and my score was not affected with the other two reporting agencies. This was solely an Experian response to a credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Experian still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/2021, I went into XXXX XXXX to open a monthly membership of {$10.00} a month and they ended up creating a renewal contract for {$200.00} biweekly payments for a total of {$2400.00} that I did not sign or commit to. It wasn't until the first payment of {$200.00} hit my bank account that I realized there was something different submitted as a contract. I went into the facility to have them fix it but they said the person I needed to talk to was not in. It wasn't until the third attempt that they said she is no longer with the company. Because I was unable to resolve it with XXXX I turned to my bank ( Chase ) to dispute the charges. They did reverse the charges. However, now the " debt '' is being reported on my credit reports by collection agency Aldous and Associates. I will also enter a dispute with them, however I want to ensure this gets removed, as it dropped my XXXX XXXX by XXXX points.
Product: Debt collection

The debt amount of {$720.00} was originally from Credit Card company " XXXX XXXX. '' In my credit report it appears as if I owe the debt to Portfolio Recovery Associates. The original debt was with the initial lender. The account got sold to Portfolio Recovery Associates and I have no obligations with them, other that they just having a balance in my credit report that is harming it. 

My obligation of paying the debt was with XXXX XXXX not with Portfolio Recovery Associates.
Product: Debt collection

I am a victim of the XXXX XXXX DATA BREACH and my informayion was used this debt is not mine and I have no actual contract please remove debt
Product: Credit reporting or other personal consumer reports

If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. 

reporting to consumer report is a form of communications! 
XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my report from XXXX XXXX and saw XXXX XXXX  put a fraud on me without my knowledge nor consent I paid my account and they automatically closed my account with a pending deposit before the account was closed I left a positive balance and requested my money for all fees and services refunded as of todays date I have not heard back from XXXX XXXX  on the fees and money owed to me. After filing a dispute I have never seen a dispute ending up being fraud on the consumer this makes absolutely no sense. Placing a fraud alert when there is no fraud creating a narrative that never existed freezing account so consumer can not pay account this bank deliberately abuses it power and never fixes the error they create no one owed them a dime I had to get a manager to call an office so I can pay them when I am in the bank trying to keep a positive standing with them XXXX needs to be investigated for discriminatory banking practices placing false narratives on a consumers account. Placing incorrect information on a customer who is paying them. I never left a balance with them I am waiting to this day for my refund I never received it as of todays date I owe this bank nothing but they place false narratives on me as if I am a criminal I have never seen a criminal pay money to keep a bank account in good standing. Now thats fraud if I did not pay them thats fraud if I made no effort it was an error on their part making me in the negative to begin with.
Product: Vehicle loan or lease

I got my car from Kings of Credit/American Car Center in 2021. My payments were always reported to the credit bureaus. They were shut down at the beginning of this year ( not too sure why ). After they were shut down, I started having to do my payments through a collection company called Westlake Portfolio Management. Since American Car Center was shut down, its been taken completely off my credit.. which I understand. But now my credit has gone down because Westlake Portfolio Management has not reported any of my payments. So not only is my credit score low, it now looks like Ive never had a car in my name. I feel like Ive been paying on this car for XXXX years while also trying to fix my credit all for nothing! I have nothing to show for it. But a low credit score. Can they do this??
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have a right to privacy. Pursuant to 12 CFR 1016 ( Regulation P ), I should have received a reasonable opportunity before the disclosure of my nonpublic personal information to the nonaffiliated third party, to opt out of the disclosure. Since Experian created a profile with my nonpublic personal information without my authorization, I have yet to receive an opt-out disclosure via mail, electronic means, or an isolated transaction pertaining to the disclosure of my nonpublic information from Experian. This is not fair, accurate, equitable for me as a consumer. The nonpublic personal information that Experian is disclosing is forcing me to lose confidence in the banking system because of Experian credit reporting methods.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, INC. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fund transfer act ( EFT ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$91.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

The Home Depot/Citibank Car opened XX/XX/2021 as a result of fraudulent activity. 
Balance is {$470.00}
Product: Credit reporting

I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a old credit card with USAA, and it was sent to a third party XXXX, i paid XXXX to pay off the account, and USAA is refusing to update my credit report
Product: Credit reporting or other personal consumer reports

I am writing to disputed XXXX on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 156 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. hard 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello - I started using Gemini this year. I only had two or three transactions through them and found my account FROZEN supposedly for suspicious activity. I emailed the required documentation and numerous requests for updates and or a dialogue to clarify any questions. They are very good about responding when an inquiry is sent, though no updates are provided. 
My frozen status has been in effect since the last week in XX/XX/2023. Gemini is effectively hold my funds hostage without basis. 

Thank you for your assistance! 

XXXX XXXX
Product: Mortgage

The issue is that the second XXXX incurs a more restrictive if not inequitable requirement that the home be available to us and indefinitely not rented out whatsoever. The owner occupant requirement is to reside there for one year. Attached is the second home rider and the original security instrument ( paras XXXX and XXXX ) that the rider replaces. If this is a standard XXXX XXXX XXXX document, then request Wells Fargo provide a signed letter that allows us to rent out the home after one year of possession or propose a resolution to address our concerns. 

It is also our informed opinion that the second home rider should have been disclosed and explained before closing. To say we had a three day right to rescind is a poor substitute for untimely notifications of material fact and overall poor loan management and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company- Select Portfolio Servicing , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX I was notified that my credit score had been significantly lowered due to an item reported from Select Portfolio Servicing. I filed a dispute with XXXX challenging the item. 

XX/XX/XXXX I receive a response from XXXX indicating that the investigation had been completed and Select Portfolio Servicing indicated that the item reported was correct. 

XX/XX/XXXX I wrote Select Portfolio Servicing and included an image from my Credit Report showing the credit report item being challenged and explained that in XX/XX/XXXX there was a divorce and my ex-wife retained the house and responsibility for making the payments. This item had never appeared on my credit report and was only added within the last 30 days. 

XX/XX/XXXX I researched the credit report and learned that loan had been modified under a Federal Government Plan. On this date I wrote Select Portfolio Servicing and requested that they provide me proof of being a signatory party to the loan modification. 

XX/XX/XXXX I wrote Select Portfolio Servicing and provided my Social Security Number and the address for the mortgaged property. Again, I requested that Select Portfolio Servicing provide me proof of being a signatory party to the loan modification. 

No Response has been received and the item is still on my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from XXXX located in XXXX North Carolina on XXXX XXXX. The loan was approved by Exeter Finance. Contract was signed, delivery of vehicle taken and down payment of {$1800.00} paid. 

About a week or a week and a half later received a call from XXXX stating that my employment start date of XX/XX/XXXX fell short of Exeter 2 week time frame and Exeter was attempting to not fund the loan. Spoke  with Sales Manager provided information as to documentation provided to Exeter as well as approval from Exeter regarding the documentation. Was advised by XXXX that they would contact me if any further action was required. 

I did not hear from Exeter or XXXX. I contacted Exeter on XX/XX/XXXX attempting to make payment at which time I was told I was not a customer and referred back to dealer. Spoke with dealer and was advised that needed to bring the car back and have it returned to inventory and attempt to repurchase and obtain financing now that 6 months employment criteria was now met without an exception having to be made. 

XXXX has agreed to return the vehicle and exchange it for another that XXXX is offering for sale, however Exeters approval keeps yo yo ing anywhere from {$2000.00} down with 28 % interest XXXX this is agreed upon terms and specified financing option requested XXXX to {$4500.00} down payment requiremented depending on which location ( state ) the car is purchased in. 

XXXX has already titled the vehicle I am in possession of to me with Exeter listed as lienholder. Exeter says I am not a customer. XXXX states Exeter will be repossessing the vehicle. How can they repossess if I am not a customer and have not breached the terms of my contract with them? 

How can they hold a security interest in the vehicle if they are not providing a loan? 

Wouldnt the security interest belong to XXXX as stated in the financing contract they provided stating that they would be transferring the contract to Exeter?
Product: Payday loan, title loan, personal loan, or advance loan

Mariner Finance is distributing misleading advertising that appears designed to take advantage of consumers with low financial education, low literacy, or low English proficiency. They mailed me a offer for a personal loan disguised as a " check '' that, to someone unfamiliar, would appear as a real check similar to a paycheck or reimbursement. I feel this likely traps many people in high interest loans that they do not understand. They even state in the fine print that if you cash this check they will send additional checks from time to time that represent additional loans. This is predatory, and will ensnare consumers in high interest debt that they do not understand. I received this misleading advertising on XXXX
Product: Credit reporting or other personal consumer reports

This was my 3rd submission of complaint through CFPB, and today this complaint was directed towards XXXX and TransUnion Credit Bureaus. As when I recently updated my 3 Credit Reports I found that the XXXX XXXX had wonderfully removed all the stated items that I requested them to remove. And today I only have some remaining issues in my XXXX and TransUnion XXXX XXXX. So, I am once more respectfully asking XXXX and TransUnion Credit Bureaus to please remove these remaining items that I listed in these complaint : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX was a processor company that was doing my credit card transition I had 3 my customer did a charge back on credit card transition XX/XX/15 all the charge back which was debited from my checking account and was paid in full, now this collection company CONSOLIDATED RCVY GRP have me in collection for the {$2800.00} which was paid already, I send the copy of my bank statement with the withdraw amount but the guy said the late fee was not paid so they are not going to remove from my credit report, now how can I owe late fees to consolidated rcvy grp when I already paid XXXX XXXX from the very day of the charge back ; can you please me to solved this problem
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 infeasible. The CFPBs finding indicates that zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns abut consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization XXXX that I personally initiated these inquiry. 
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 XXXX ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records, despite my submission of a copy of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to facilitate a legal response. If you fail to block the items listed below, which are reporting inaccurately due to fraud, I will forward my documents to my attorney to initiate legal action. My intent is to avoid pursuing legal action, so please comply with the law. 
Bankruptcy XXXX  XXXX XXXX XXXX CXXXX XXXX XXXX XXXX Identifier : XXXX Date Filed : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX