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

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXX  - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with Experian & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with XXXX XXXX XXXX.
Product: Student loan

I have called and emailed EdFinancial multiple times in XXXX and XXXX because my loan balance reset even though I have already paid about {$9400.00} already. I have also uploaded my XXXX of XXXX form in XX/XX/XXXX, and my issue is still not resolved. 

My first payment was on XX/XX/XXXX for {$2400.00}. 
My second payment was on XX/XX/XXXX for {$2400.00}. 
My third payment was on XX/XX/XXXX for {$1400.00}. 
My fourth payment was on XX/XX/XXXX for {$2900.00}. 

In an email I received in XX/XX/XXXX, I was told it will take about XXXX business days to process the XXXX of XXXX form. It has been XXXX months, and I am still waiting despite sending follow-up emails such as in XX/XX/XXXX. I have also noticed that my total balance has increased {$940.00} due to interest.
Product: Mortgage

After going past my original closing date, the seller was nice enough to sign contract extension paperwork to give me more time to get the appraisal on the house done and underwriting done. But after another two weeks had passed, the appraisal was completed, but I will still not out of underwriting. So when it came time to sign a new contract extension, the seller didn't want to wait on Bank of America because they took too long to get me out of underwriting. So when it came time for Bank of America to give me my denial letter to get my earnest money back, I never received the denial letter. Because of that, I would have been out of {$5000.00} if the seller wasn't nice enough to understand what I was going through and give my money back. Because under normal conditions, a seller doesn't have to give it back without a denial letter.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX & XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Indicated to XXXX XXXX XXXX ( Propel Tax Loan Officer-NMLS # XXXX ) during the month of XX/XX/year> on or about XXXX. XXXX discourage me from applying for property tax Loan financed by my primary residence due the fact that i was over XXXX XXXX XXXX. My understanding of the provisions of Equal Credit Opportunity Act ( ECOA ) that it may be discriminatory to discourage an individual from applying for a loan financed by real property if Loan discouragement is based on these specific factors : your race, color, religion, nation origin, sex, marital status, age, your income from public assistance or whether you've acted on your rights under the Federal credit Laws.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns about Zelle 's dispute handling, especially in light of the recent CFPB lawsuit that exposed significant issues with the platform. Despite frequent use of Zelle and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions could not be done. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Mortgage

I was in the process of applying for a new equity loan with First National Bank ( FNB ) and got a notice midway through the process that my existing equity line was canceled due to non-payment. When I discussed with the bank ( XXXX ) he explained that there was an interest amount applied to the loan after I paid the debt off in XXXX for {$31.00}. I went back and reviewed my online balance due and it stated that {$0.00} was due and he said that there was an issue with their website and phone application and that when I paid it off in XXXX that their system did not show a balance due, but there was in fact a payment due of {$31.00} so I immediately paid the amount on XX/XX/XXXX. Days later I find out that they have reported my delinquency to the credit bureaus and my credit score had been dropping from XX/XX/XXXX to XX/XX/XXXX. This dramatically affected my score XXXX points and I asked them to correct this. They stated that they sent electronic statements to the website even though their balance summary was incorrect and they will not resolve. I think this is highly unfair and needs to be addressed. XXXX at FNB clearly stated that this was a software issue on their side and have known about it for some time because this is not the first time he has heard of the issue. Can you please assist with them correcting my credit score with the credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my free annual credit report but have not been able to from XX/XX/XXXX when you get to the verification section online, it asks for things that i never had like a car loan information and i have never had a car loan. It also asking for mortgage information and i have never had a mortgage ( never owned a home ). then it asks for credit account info with creditor I dont know of and have never had any account with, At least two of the three bureaus have the online feature set up to asks questions that don't pertain to me at all so that i can't complete the verification process and get to my credit report. XX/XX/XXXX and transunion also have their online system set up to block you from logging in to dispute any of the inaccuracies or fraudulent information they post to your credit report just cause they feel like it and the credit bureaus don't thoroughly investigate the information before ( or after a dispute ) they start posting things to your credit report.
Product: Debt collection

i start to make a payment to the company name national enterprice system, because this company make a setlement with the company who represent me name XXXX, but i cancell this company because they charge to much money for the srevices, know i keep make a payment, but national tried to make another offer because i told them, if they have any other offer, so they try for me to take other 0ffer, but this is the complete amounth that i owed, from the beggining, so they dont told me that, when i check the numbers, i call them back and they dont reply to me, and also they dont send me any receipt or any letter to comfirm my payment to Imake every month.
Product: Credit reporting or other personal consumer reports

Equifax is not accurately reporting my consumer information. I have provided proof of my identity and Equifax will not accurately reflect the information which is causing me to be denied for credit. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$6900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I requested that Equifax, XXXX and XXXX to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX and XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute regarding the incorrect items on my credit report and its been over 30 days and I haven't received any investigation results.
Product: Credit card

I have always made sure that payments on this account are made promptly, never allowing them to be overdue. I am uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX and a dropped score
Product: Debt collection

Received a phone call from my mother stating that some contacted her pertaining to a legal matter and wanted to meet me jn person. I returned the a message o my phone from the same person who answered the phone " hello ''. I told them i was returning a call and he said my name then started asking personal questions. I interrupted him and stated I would give no information without verification of who he was. He mumbled " SCM '' a few times before i asked him what " SCM '' was. after a few times of asking he told me Secure Capital Management. He asked when the best time would be for me to be home and meet someone who would be delivering me certified legal papers for me to sign. He then went in to give supposed details of the balance owed, to whom, the date opened, and what he could settle it for. I told him I would contact my legal counsel and they could deliver the paperwork to him. He stated he had to have this taken care of by end of business today or they would go forward with garnishment and court proceedings. I let him know that it would cost them way more to take it to court than the little {$390.00} balance I was to supposedly owe, all I want is official paperwork proving the debt. I told him I would need confirmation of a debt owed and he stated that its legit and would be on me to prove its not because all my personal information was tied to it. I told him I had no problem paying the balance if I received paperwork or something showing this debt owed was true and the company was real, I explained to him I was not handing my personal information over unknown if it was a scam or not because how he answered the phone and with never receiving a bill or phone call prior to this date. He stated that he would send me an official email but I had to call him back within an hour so he could follow up with the clients for further legal action if needed and I ended the call. He never relayed to me that it was an attempt to collect a debt and any jnformation would be used for that purpose. I confirmed with original debtor that there was an outstanding balance and did call the company and spoke to another staff to pay the debt. Debt was paid but he did relay the information I requested from him that the original staff name was XXXX XXXX who gave out my information without ensuring it was me, did not tell me that this was a call to collect a date, and that was dishonest about it having to be finished today or court proceedings would begin. Can theh call and tell you to set up a time to have someone meet you to sig for certified legal paperwork? I thought court papers would be mailed certified amd signed for through XXXX or delivered by county sheriff and signed for through them.
Product: Vehicle loan or lease

I requested a lien release from this company on XX/XX/XXXX so I could get my title for a car that is totaled. XXXX XXXX has not sent it to my address on record as of XX/XX/XXXX. I have called XXXX times every week to figure out why it hasnt been delivered. Every phone call I am told something completely different and that it was sent out on XXXX and XX/XX/XXXX. I called today XX/XX/XXXX and today I am told that it was sent to a completely different state with my address. However in a different phone call a representative said to me that my address didnt exist that Ive lived in for 4 years. They said theyd push it through even though it isnt coming up. This has been an extremely frustrating process! Our totaled car is sitting in someones lot waiting for a title and in return a payment for the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, doesnt even own the account anymore. So why are they reporting on my credit. I paid XXXX the payment and the company told me the would delete the account off of my report XXXX XXXX XXXX told me me if I settle the debt they will delete the account off my credit. I paid the account but transunion keeps verifying that it is correct reported. I sent them in the documents from the company put the still refused to remove it off my report. 
I have attached a copy of the settlement paperwork
Product: Credit card or prepaid card

Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks