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

i did not consent to authorize nor benefit from the following account ( s ). block and remove
Product: Credit card or prepaid card

On XX/XX/2019 a credit card was opened in my name, by someone other than me! 

The card was issued by XXXX/cbna ( Shop Your Way MasterCard/Citi Bank N. America ), which is a company I have NO knowledge of. 

The card has an {$8000.00} limit with a current " balance '' of {$23.00}. 
( I have NEVER received a card from this company, there for, I could never have used it! )
Product: Credit reporting or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. 
I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 
XXXX XXXX XX/XX/2019. 
I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I submitted a credit dispute with XXXX and after 30 days they have failed to honor my request. Instead XXXX sent me the documentation after 30 days that they believe that this was not me when the dispute came from me with proof of identification documents and failed to open the dispute of items on my credit that are inaccurate and do not belong there. They have violated FCRA laws without processing my dispute and ignored my request with a invalid reason stating that it was not me.
Product: Mortgage

I am a XXXX XXXX XXXX in XXXX, NY. I am representing the seller. 
We accepted an offer from a buyer on XX/XX/2020 not contingent on the sale of her home. 
I called the mortgage broker at American Financial Network Inc. to varify and confirm that the buyer was qualified and the purchase was not contingent on the sale of the home. 
They said it was not. Along the way they asked for 2 extensions and the sellers granted the extension. We we suppposed to close before the end of the year. My sellers are in a contract on a new home based on the sale of their home. Yesterday over two months of dealing with this buyer and mortgage company, her agent and the mortgage broker are now told that she was not approved. Her home is closing this week, so it's beyond the cale of her home .The sellers are devestated, this bank never should have pre-approved her for a mortgage and dragged us along for all this time. Now we are stuck. 
I want a complaint aganist this mortgage company they are playing unfairly with families lives.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these items were added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4400.00} XXXX - XXXX - XX/XX/XXXX - {$2700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX XXXX  XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$25000.00} XXXX XXXX  XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$7700.00} Fraudulent Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My US Bank Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX  and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by U.S Bank that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

U.S Bank has already acknowledged this error, but the late payment is still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

Inaccurate information on XXXX is not matching XXXX. XXXX is showing a credit score of XXXX when XXXX is XXXX. It is effecting a mortgage loan interest rate. 

Also, Inaccurate information on Transunion is not matching XXXX. Transunion is showing a credit score of XXXX when XXXX is XXXX. It is effecting a mortgage loan interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I received a letter for a debt of {$46.00}, and this is unfair. I paid the original creditor in XXXX. I never received any notice or was told verbally when office visits were made, that, a debt was owed. I always paid copayments. The original creditor XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, verified that the debt was paid in XX/XX/XXXX, and weve had several office visits since then. The credit company never mailed a notice about the debt in XXXX, and all data is accurate for mailing at the practice that they received the debt from. I was told on XX/XX/XXXX by the billing department at the original creditor that the debt was paid and XXXX XXXX still wants me to pay {$11.00} for service secured by the original creditor. I find this unfair and shouldnt be held liable to pay for it. My daughter XXXX XXXX is the patient on this debt and I am the guarantor. 

Overall, were pleased with the practice.
Product: Debt collection

I was contacted today and told I owe a {$70.00} debt for a cancellation fee on auto insurance that is over 2 years old. I was never contacted by the insurance company to collect the debt so I do not think it is valid. I requested that the company provide me proof that the {$70.00} charge is legitimate. They claim they have had the account since XXXX 2014 but they have failed to provide me with any proof of this amount and they have never previously contacted me. They said this will damage my credit score if I do not pay immediately but they will not provide me with any proof!
Product: Credit reporting 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> and XX/XX/year> Payments never late! 
They did not make adjustments I've reported to the credit bureau and they did not update the account XXXX XXXX XXXX  {$6300.00} Account not mines! This was uploaded to XXXX multiple times it clearly states from a judge that I am not a named party
Product: Payday loan, title loan, or personal loan

speedy Cash would not stop renewing the loan. I was told my payments would not go towards paying off the loan because I was " current ''. Rep at XXXX XXXX, tx location said I would have to default first before the corporate office would speak to me about making sure payments would go to pay off loan. This forces consumers to keep paying monthly amounts without getting anywhere. Then if you default you may or may not be able to work with corporate office. This resulting in negative reporting on your credit report. Speedy Cash also hurts people by falsly reporting " open '' account status so it continues to look like a new credit ding and uses collection agencies to do the same. Doing this does not let the account age and has a severe continuous monthly impact on credit.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned. I couldnt believe my eyes when I saw all of these mistakes in reporting! I don't know why these company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 
I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. 


Please investigate and take a look at these accounts XXXX XXXX XXXX XXXX XXXX .... and XXXX XXXX XXXXXXXX XXXX ....
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by TransUnion on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$6300.00}
Product: Student loan

I've been working for the XXXX  XXXX  since XX/XX/2005. I just found out after years of paying my student loans that I had the wrong type of loan and am not eligible for forgiveness. I had FFEL loans, and I had no notification that it had to be a direct loan. A federal loan is a federal loan. So now I've almost made 120 payments and don't qualify. This has to stop.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's 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. I am very disappointed in the amount of care Zelle has to its clients and its users.
Product: Debt collection

I've been renting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have requested to terminate my contract and moved out of state and they ask me to pay one month penalty fees and I paid it after I moved out I called them about security deposit and they told me is they send approval to corporate unfortunately after 3 months they denied my refund and manager she didn't want to explain me why because she knows she didn't a mistake by giving me wrong information which caused to loose my refund, After couple months I received the letter from collections telling me I owed my former landlord {$320.00} and I called the manager multi time she didn't picked my calls and I've written the emails till now no response asking the which reason of {$320.00} they are charged me for because I've pay my last month of lent and Ion inspections they don't find any damages Before ei moved out or the house and now I don't why they sent me on collections because they have my new address they never send any bills to pay after I moved out. For Collecting on XXXX XXXX I send them a letter requesting DEBIT VALIDATION they never send those information as listed 15USC1966G however XXXX XXXX they send another letter saying if I am not paying them they are going to report me and my wife on credit bureaus. Their contact is XXXX and XXXX by XXXX XXXX XXXX Representative works for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX .They are try to collect the money I don't own
Product: Checking or savings account

On XX/XX/23 I received an email from Paypal about having unclaimed funds in an account with them. 

I tried to log into the account and supplied a valid username and password. However the website said it needed to send a code to my phone number of record to verify the account. I pressed the agree button, but the website said it couldn't use my phone number to verify the account. 

A secondary option was to have them call me at that number... I pressed agree, but the website once again said they couldn't use that number to verify the account. 

A third option was to call them directly. I did so, but it said due to delays they would call me back. 

They did call back 3 times, but each time when I said hello, there was no answer. 

I re read the initial email and it had a phone number to call. I called that number and I was told I had over {$1300.00} in the account, but they couldn't give me access to the account. One person even had me renew my password, but no access to the account. The final person told me that I couldn't have access until I told them the account number of the original bank account I used to open the account. That had been years ago and I have closed that account and don't have records for it. The rep said he couldn't give me access to the account until I provided that information.

At this point I have over {$1000.00} in a paypal account that I can't gain access to, even though I have provided them with a valid email/password/phone number. They even asked me for the last 4 of my social security, but the last rep said I don't have a social security number on file.

Please help me gain access to my account.

Thank you.
Product: Credit reporting or other personal consumer reports

Hello, I'm writing to let you know that I don't recognize any of the hard inquiries from an auto loan on my credit. I just bought a car back in May, so applying for another auto loan makes little sense. I don't recognize any of these, and I don't recall granting them permission to perform a rigorous check into my credit history. I would like them all deleted right now. 
XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/year>XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> Equifax : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was on vacation in XXXX XXXX, then some people from the company called XXXX XXXX or XXXX XXXX XXXX offered me a credit card with an interest of 0.0 % of the total approved. They explained to me that XXXX XXXX XXXX and Barclays credit card company work together to get customers who want to be members of the travel club. For this reason Barclays offered this card with 0.0 % interest of the total approved. 

XX/XX/2019, {$6800.00} I was speaking with the seller about this scam and informed the credit card Barclays about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being not a credit repair company. I reached out to Equifax about the fraud accounts and inquiries on my credit they have not investigated or fixed the problem.
Product: Debt collection

FRANKLIN COLLECTION SERVICES purposely damaged my credit and caused me harm in order to get money from me that's not owed them.  I don't owe XXXX to FRANKLIN COLLECTION SERVICES  and was not given the opportunity afforded me by the FDCPA to dispute the claim until after it was placed on my credit report.
Product: Debt collection

XXXX failed to deliver a package I had shipped with them. When I tried to get an explanation, they concluded that I had abandoned the shipment and they closed the case without notifying me. So, I disputed the shipping charges on my credit card. 
A few months later, I received a bill from XXXX for the shipping amount. I opened a case with XXXX to dispute the bill and ask for a refund on the value of my package. They did not respond at all and set a debt collector ( Transworld Systems ) on me. 
When I called XXXX about this, they tried to confuse the issue and eventually just hung up on me. 

So now I have no recourse to fair treatment and the corporation is using its power to harass me into paying for a service they failed to render.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt or credit management

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They will not address soft pull and hard pull.
Product: Debt collection

Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$260.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH AcXXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXXXXXX See above. This company was not allowed to do business in the state of Utah for what I requested. They cancelled meetings and had no way of cancelling service on their app or website and will not cancel via their phone number. They tell you to email the cancel and then don't respond. I was charged {$320.00} x 3 and {$130.00}. My bank reversed it and told me to keep trying with this company that's being investigated by the DOJ for exactly what they couldn't provide me. They cancelled appointments and charged me over {$1100.00} and now overdrafts and my bank says they can't do anything despite the fact they canceled and I cancelled and they legally can't operate in my state. I cancelled my card bc of them. But then over 60 days later all their fraudulent charges were reversed. Further when contacting the merchant a week ago they said only my bank can help me causing a whole new mess which obviously is to make this an impossible claim.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX  and was the victim of predatory lending practices. I have tried to lower my monthly cost on numerous occasions. I took out my first loan on XX/XX/XXXX in the amount of {$10000.00} and the second loan on XX/XX/XXXX in the amount of {$16000.00} my school 's student financial advisor told me that I needed to borrow {$10000.00} to stay enrolled in school and a couple weeks later she told me that I in fact needed to borrow another {$16000.00} because the tuition costs were {$26000.00} and not {$10000.00}. I was young still a XXXX who and I trusted the student financial advisor to correct the issue while also protecting me. She pressured me to borrow a student smart option loan that you pay {$25.00} but because I had 2 loans I had to pay {$50.00} a month while in school. I was told that my monthly payment to the loan went towards the interest while in school. I was told that the interest paid while enrolled would have an impact on my loan after I graduate and that my monthly payments for the loan was be affordable. I tried to consolidate my loans in XXXX I was told that the stipulations of the type of loan I had I was not allow to consolidate them. I tried to refinance my loans in XXXX but my credit wasn't good enough. Then I tried to refinance my private loans in XXXX they still said my credit wasn't good enough. Then I tried to refinance again in XXXX and this time because my credit was at XXXX score I thought my chances would be definite and I was told I could not because my school was close and there was no corresponding school they could link my loan to. Each of my private student loans are at 15.875 % interest. Navient will not work with me on a payment option I could afford despite being discharged from my federal loans because my school was found guilty for School Misconduct. My private loans have been an extreme burden for me and my family and the future of my family. Its held me back financially and I have run out of option. The day I received the School Misconduct Discharge application form Navient 2 hours later I received an email that Navient would be transferring my loan to a XXXX giving me a limited chance to submit my appliation and get an appropriate response before they transfer my loan. I have done my best to communicate with Navient and I have attempted numerously to make my situation better based on the circumstances I faced. I'm hoping that my complaint will have a better impact on how Navient handles my plee to me discharged from my Private loans or to help stop Navient with their aggressive collecting practices and provide me with option with a lower payment that I can afford.