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

On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with XXXX XXXX XXXX and the original creditor ( XXXX XXXX XXXX ) about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company ( XXXX XXXX XXXX ) in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave consent for Equifax to share/make/furnish a credit report for me. 
They assumed the responsibility on reporting without my consent. 
I never gave permission or consent. They didnt hold their grave responsibility. This violates my consumer privacy.
Product: Credit reporting or other personal consumer reports

Putting in correct items on consumer report. Breaking law
Product: Credit reporting or other personal consumer reports

I am writing you FOR THE XXXX TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT PRODOCE THESE DOCUMENTS Please DELETE these Inquires from - XXXX XXXX - XXXXXXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX XXXX XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I have been the victim of identity theft. Upon reviewing my credit report I noticed a negative account from XXXX and XXXX XXXX, as well as several addresses, places of employment, and phone numbers that were erroneously included in my credit file. These negative files are fraudulent and disparaging to my reputation. I would like them to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft due to Equifax Data Breach and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

I am disputing a late payment report from Discover on my credit report. The payment in question was for {$27.00}, and while it was slightly delayed, I have otherwise maintained a strong payment history. 

The reason the payment was delayed to begin with is because I was in the process of disputing the nature of the charges. I froze my account before the charges went through, but they still went through to my card since it was a recurring subscription. 

I reached out on XX/XX/XXXX, they told me they couldn't remove the charges since it was recurring.I was locked out of the account that was charging the card so I couldn't cancel it from the source. 

I have since paid off the remaining balance to the card. 

I reached out to Discover to request a goodwill adjustment, given the minor nature of the amount and my history as a responsible cardholder. However, they have refused to remove the late payment, despite my efforts to resolve the issue amicably. 

This single late payment has significantly impacted my credit score, and I believe it is disproportionate to the circumstances. I am requesting that Discover reconsider their position or that the CFPB assist in mediating a fair resolution.
Product: Credit reporting or other personal consumer reports

The car loans mention on my consumer report are not mine, these accounts are fraudulent and are not mine
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regaling Zelles handling of disputes, particularly in light of 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected 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 consumer safety
Product: Credit card

On XX/XX/2016 my computer was not working properly and soon afterwards I got a text message from XXXX ( XXXX ). They informed me my computer was hacked and they convinced me to dowload some software that amounted to {$1100.00}. I gave credit card info over phone and they downloaded the software. XXXX month later on XX/XX/XXXX same outfit texted me again and informed me my computer was hacked but this time they wanted me to pay {$2000.00} using checking account ... they asked me for check number. I immediately hung up and it dawned on me that above outfit is XXXX who hacked my computer and wanted to charge me again to download software ... .thus an online computer repair scam! I called CITI and told them what happened and they promptly credited my account {$1100.00}. They informed me and investigation would ensue and I would be recieving paperwork in mail. Several weeks later I recieved paperwork and filled it out completely and sent it back to CITI. In letters to me in XX/XX/XXXX ... CITI informed me that trasnsaction was legal and the {$1100.00} would be credited back to scam outfit AUROPCSUPPORT. XXXX things here XXXX. ) This is case of online scam that I clearly was a victim of. XXXX. ) This was NOT a case of someone fraudulently using my credit card via stolen from me ... ..I was in fact scamed into giving that info over phone which was in fact done fraudulently ... .something I informed CITI when I called them on XX/XX/XXXX I surprised that CITI credited back {$1100.00} to a SCAM OUTFIT after telling them thouroughly what happend. As though it was legal given that I gave info over phone which is not the issue here ... ..I was in fact SCAMED via clever tactics on part of XXXX. I have since learned other things of this outfit and it is posted online that this outfit a ) has a trust rating of 30 % b. ) owner is hiding identity XXXX ) malware has been detected on site .... go to googe and put in ... 'review of auropcsupport.com ' and see for yourself. 
I have called CITI fraud Dept XXXX times of this and they told me someone would call me back ... .they HAVE NOT even bothered to call me back after XXXX phone call to them! 
I sent images of documents link of what I found online after putting in 'review of auropcsupport ' on google ... they might be a unreadable but will submit these and others about this case either via mail or fax just so you know.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud due to a data breach with XXXX. A calculus of accounts were opened and I am suffering harm due to such events. I am seeking help to have these items/accounts deleted such as inquiries that need delting as they were opened under fruad as well XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, these are the account that are causing me n my family great stress and anguish on my mental and physical state of being. as well as hendering me from a happy life and pursuit of happiness by recieving calls to negatively affecting my consumers report. please help in anyway you can assist me in the hard times. it is experians and XXXX job to keep my consumers report accurate, help me be heard. they will not respect my rights without you. thank you for your ongoing service. 
Here is my ftc report # to aid in investigation XXXX
Product: Vehicle loan or lease

On  XXXX   XXXX ,  2017  i paid off  My Ally Auto loan. i waited a few weeks to inquire to Ally after not receiving my Auto title to the vehicle. I have been told 6 times from Ally customer service that the title was maile d regular mail to me on  XXXX ,  XXXX . As of today  XXXX   XXXX  i have not received the title and  all Ally will  tell me is they cant issue a duplicate title request until  XXXX   XXXX . And that  XXXX   XXXX  is just the date they can request a title to be reissued. It will t ake 3-4 week s for the reissue to take place. i should not have to wait 2 months to receive my title to my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not letting good accounts report to my report. There are multiple accounts that have not been showing up on my Equifax report. I called Equifax and was told that the reporting party is not sending info on new accounts to them. So I called each account agency and asked for proof of reporting to Equifax. I have a letter from one account holder and they have been reporting for one year and six months. This is a violation of FTC AND THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge about them, and the company conducted them without my consent.
Product: Debt collection

XX/XX/XXXX, XXXX XXXX, I received a voicemail saying the caller, XXXX, was looking for 'the person who was authorized to act on behalf of XXXX XXXX. ' I called the number they left because they knew my surname. Company did not identify itself when answering the call. When I asked they said they were a debt collector. Their phone number is ( XXXX ) XXXX. 

My husband died XX/XX/XXXX. There is no estate. We have/had no debts. I have not been contacted previously about any purported debt which would have been sent to a debt collector if unpaid. The person did not know who I was, although any legitimate knowledge about my husband would have included my name. I told them not to call again and hung up.
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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT 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 EQUIFAX MTG 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent. A violation of my Rights, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX. XXXX XXXX Location XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX XXXX - XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX The Companies Below ran my credit multiple times, some during the same day. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Act section 1681 requires the furnisher to report accurate information to the XXXX credit agencies. XXXX XXXX XXXX, ( listed as a Mortgage Account on my report ) is reporting inaccurate late monthly payments to each credit agency. I've filled a complaint regarding this information along with documents showing the inaccuracies, but no action has been taken to delete the information by the credit agencies.
Product: Mortgage

My mortgage was transferred from XXXXXXXX XXXX XXXXXXXX to Raymond James Bank. During this process something went terribly wrong. XXXXXXXX XXXX XXXXXXXX sent me a letter than my loan transferred on XX/XX/XXXX, but Raymond James Bank says it transferred XX/XX/XXXX. Both banks insist that they are correct and WILL NOT TALK WITH EACH OTHER no matter how many times I have been on the phone with them since the middle of XXXX. I didn't want to pay twice in XXXX but I couldn't get this cleared up and Raymond James Bank said they would send me to collections so I paid both banks for my home loan in XX/XX/2022, thinking I would be able to get this worked out. I have now spent over XXXX hours on the phone between the banks but can not get resolution. Raymond James says XXXXXXXX XXXX XXXX needs to pay me back, XXXXXXXX XXXX XXXXXXXX says they transferred my XXXX payment to Raymond James in the loan transfer and Raymond James needs to address me paying them in XXXX and getting my XXXX payment from XXXXXXXX XXXX XXXXXXXX. Raymond James Bank says no way, they never received this payment, I need to talk to XXXXXXXX XXXX XXXX XXXX  says, it was transferred with the full lone, Raymond James just isn't seeing my XXXX payment because it was not called out as a line item, it was just reflected in the loan during transfer. I shouldn't have two pay two banks for one loan in XXXX and I didn't ask for my load to be transfer and all these problems. Both banks state their loan transfer date is correct, and the other bank needs to refund my funds for XXXX. The banks WILL NOT TALK TO EACH OTHER, it is their policy. Thus, even though I have submitted bank documents, letters of loan transfer, they are not willing to help me and get my XXXX double payment back. I have been trying to work with these banks for 4.5 months now calling weekly but can not get help. When looking at my documents, I paid Raymond James for the XXXX payment on XX/XX/2022, this is not the XXXX payment ( they like to say that ), the XXXX payment was paid on XX/XX/XXXX. I paid XXXX for the same loan in XXXX on XX/XX/XXXX. 2022.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXXXXXX  Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

Companies illegally and inaccurately reported illegal information to my credit report, and the said information has damaged my credit score.
Product: Debt collection

Ive sent letters asking for verification of my original signature and was not given any proof only a bill that was generated from their computer systems this is old it came off my credit report and now they are back with the harassment phone calls please can you help me fix this
Product: Credit card

My application for a citi card was recently denied However my credit score is very good With score of XXXX in Citi cards owns page and website. 
The reason for my denial according to Citi its cause I dont use enough of my credit line. Which I believe this reason be discriminatory. I already have a credit card with Citi for which I have implacable payment record. 
I believe my credit equal rights are being violated by this denial without basis. 
Im askin at this point for Citi to re evaluate my application and the results in order to assist with facilitation the credit card for which I applied.