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

There are an accurate information on my credit report on the hard inquiries. I was a victim of identity, theft, and the year of XXXX I do not recognize These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as XXXXXXXX XXXX I did give permission for them to pull my credit one time. It seems that the credit bureau allowed XXXXXXXX XXXX to pull my credit several times I need this corrected and for them to be removed.
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, Account name : XXXX : # XXXX, Account name : XXXXXXXX XXXX XXXX : # XXXX Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX, # XXXX, Account name : XXXX XXXXXXXX, Account name : CXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  # XXXX, Account Name XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/2023, I sent Transunion a copy of my driver 's license, a copy of my social security card, my FTC Identity Theft Report, a statement by me, the consumer, addressing fraudulent regular inquiries and fraudulent accounts reporting on my consumer credit report and file, as well as my most recent electric bill as proof of address. The documents were sent Certified Mail # XXXX and were received by Transunion on XX/XX/2023. All items were on my Identity Theft Report were deleted, with the exception of XXXX XXXX XXXX. I called Transunion on XX/XX/2023 to report the fraudulent account that had not been deleted. According to the FCRA, a consumer credit reporting agency must block the reporting of any information that I, the consumer, identify resulted from identity theft no later than 4 business days after the date of receipt of the required documentation, which was sent and received by Transunion. Transunion is in direct violation of my consumer rights under 15 U.S.C. 1681c-2 ( a ) of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX inaccurately reporting XXXX XXXX 90 days late, XXXX XXXX 120 days late Same Loans reflected good standings with Dept of Education XX/XX/year>, XX/XX/year> Disaster forbearance applied XX/XX/year> and Dept of education has no record of my loans being past due 90-120 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Capital One in regards to late payments reporting on my credit report. Ive attempted to inform them of the financial hardship I was facing at the time of the late payment. Sending them multiple goodwill letters requesting the late payments be removed and they arent willing to change it. Ive been A loyal customer for over 4 years with 2 active credit cards in good standing. I havent made a late payment in years since Ive overcame my financial hardship.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, a wire transfer of {$5500.00} USD from XXXX  XXXX XXXX to JP Morgan Chase was sent incorrectly to a closed account. On a phone call on XX/XX/2020, JP Morgan Chase verbally admitted to finding the incorrectly sent wire and said the wired funds would be rejected and returned. 
On XX/XX/2020, Funds have not been returned. A written message was sent on JP Morgan Chase 's secure message center with the wire transfer details requesting a return funds status update. 
On XX/XX/2020, Funds have not been returned. XXXX XXXX XXXX sent a wire administrative message to JP Morgan Chase with a request to return the funds. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message or the wire administrative message from XXXX XXXX XXXX. Another phone call to JP Morgan Chase was made to inquire about a return funds status update. This time JP Morgan Chase provided a reference #. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message, provided investigation status, and they have not returned the funds to XXXX  XXXX XXXX yet.
Product: Credit reporting or other personal consumer reports

I viewed a copy of my credit report in XXXX of 2023 and noticed that there were some unauthorized and unverified inquiries on my credit report. I reached out to all three of the major credit bureaus which are XXXX, XXXX and XXXX to request these inquiries be deleted. They all stated that I would have to file a report with the FTC identity theft, for these inquiries to be investigated and possibly removed. I have taken these steps and followed the advice that was given to me by the representative at the Credit Bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my transunion or XXXX reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and was rather shocked at why there are inaccurate accounts. I also don't have any idea why they're showing on mine so please check the documents I've sent.
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. 
This lack of accountability transparency is unacceptable and raises serious concerns about user safety.
Product: Vehicle loan or lease

I have for the last few months been dealing with a XXXX illness of XXXX XXXX  who just XXXX XXXX which was the reason for the first two complains are now since she has XXXX XXXX i planned to pay off the loan in the next 15 to twenty days waiting on now insurance compaby payout but when i tried to speak to someone they said i had to make a payment of some sort prior to exit payday while waiting on payout but iam unable to do so especially after paying all other out of pocket payment that was required until my lost i reallu need to speak with soneone this it my third complant
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  / XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I called to make a full payment on a old debt account that I have reported on my credit. I have been in previous contact with this company XXXX for a XXXX XXXX account in the amount of {$310.00}. My representative there is XXXX, she said she could n't wave any amount of it and I needed to pay it back in full so I told her that I will pay it back but at a later time when I get more money saved. I now had the money to pay it off so that I can have it off my credit report. Called the number which I thought was the correct company, I asked for XXXX and the lady who answered said that she was in the office at time moment and that she could help me. I confirm my account and the balance amount of {$310.00} and she took my payment over the phone and said she would forward this to my account representative XXXX and that I should received a confirmation of payment and that It would be updated within a few weeks with all XXXX credit bureaus. On XXXX/XXXX/2016, my credit report updated and I didnt see this account update. I called XXXX and they said I didnt make the payment and I told them yes I did, I called made it on or around XXXX XXXX, 2016. I went thru my emails and I found a receipt for a " Sullivan Asset Management ''. I do not have any knowledge of a account with this company and the payment made was not intended for this account. It was specifically for my XXXX XXXX XXXX account for {$310.00}. I have been mislead to pay an account which I have no knowledge of and this company misrepresented themselves as to have me believe I was paying the correct account that I have reported on my credit report. I saved up money to pay the account that I owe and is being reported on my credit and I am in disbelief that I was mislead to pay a completely different account. I am not trying to hide form any debts but this company " Suliivan Asset Management '' misrepresented themselves in order to received a payment that was n't intended for them. I called Sullivan Asset Management this morning XXXX/XXXX/2016 and used the phone number that was on emailed receipt. The lady I spoke too wouldnt give me her name and said that I was mistaken because there is no XXXX here. I explained to her that this was misleading and a mistake. When I made my payment I confirmed the amount owed and who was my representative. She once again just told me that I was wrong and that there is nothing she can do. Again wouldnt give me her name. I have now paid into the wrong company because they misleading me into believing I called the correct place.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I wrote to Santander Consumer USA on XX/XX/year> requesting account records due to deceptive trade practices and a fraudulent contract. Santander Consumer USA has dismissed my concerns and has advised they will continue to collect on a fraudulent and disputed debt. The said contract is in arbitration with XXXX XXXX XXXX for auto dealer fraud involving yo-yo financing, misrepresentation and deceptive trade practices. Santander Consumer USA is violating my rights under the Truth in Lending Act, the Fair Debt Collection Practices Act, and the Virginia Consumer Protection Act. I wrote to Santander Consumer USA on XX/XX/year> advising they have incorrect information on file to which they have continued to ignore. I have advised them that I have no record of a binding contract with a date of XX/XX/year> and that contract is fraudulent. My records indicate the contract date is XX/XX/year> which conflicts with the information Santander Consumer USA has on file. The documentation Santander USA provided me with on XX/XX/year> also supports my claim. The GAP warranty addendum supports my claim of the contract date being XX/XX/year> as does the maintenance agreement. The attached documents clearly show discrepancies which violate consumer protection laws.
Product: Debt collection

Dear CFPB, I am writing this letter to formally request that the company Andreu, Palma, Lavin, & Solis, PLLC cease all communication with me regarding the alleged debt in question from 2011. I have reason to believe that the debt in question is fraudulent, and your attempts to collect on it constitute harassment under the State of Florida 's harassment laws.

I have never entered into any agreement with your company, Palma, Lavin, & Solis, PLLC or any of its affiliates, and I have no knowledge of the alleged debt. Furthermore, I have not received any documentation regarding the debt from 2011, as required by the Fair Debt Collection Practices AAndreuct ( FDCPA ). 
Your repeated attempts to contact me via phone calls, text messages, and emails have caused me significant distress and XXXX. I am fully aware of my rights as a consumer under the FDCPA and the State of Florida 's harassment laws, and I demand that you immediately cease all communication with me. 
I demand that the company Andreu, Palma, Lavin, & Solis, PLLC provide me with written and signed documentation of the alleged 2011 contract with my signature, and a copy drivers license of the alleged debt dated from 2011 within 5 business days. Failure to provide such documentation will be considered a violation of the FDCPA and harassment under Florida law.

If the Andreu, Palma, Lavin, & Solis, PLLC company fails to comply with this request, I will be forced to seek legal action to protect my rights as a consumer. Any further attempts to collect on this alleged debt will be considered harassment and will be dealt with accordingly.

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violaton reporting debt that is not mine sent police reports decades ago Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX  Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX, MA, XXXX Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX XXXX, XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Debt collection

XX/XX/XXXX and every other day of the week ( weekdays Im contacted by this company saying. I owe over {$2300.00} for a loan that I got with XXXX XXXX XXXX. I mentioned in XXXX to XXXX XXXX XXXX that I may be out of work for some time tried to get a lower amount to possibly pay since husband was XXXX to XXXX   instead of XXXX. Which has been hard to find a job. Ive recorded a few calls with this company on my sons cell phone they are very pushy stating I should try to get the funds from someone else. Which I have always done by myself and worked. I left my job of almost 4 years in XXXX and we are barley making ends meet. This loan was over {$140.00} every two weeks at my old job. I could afford it. Now the collections. Department is being very pushy calling me way early in the morning. Demanding pretty much that I pay. Theyll tell me to contact them when financial situation is better but then contacts me again from random numbers that I dont even know. This loan was received in XXXX from then until XXXX i paid over {$140.00} every two weeks now they are saying I owe over {$2300.00} for this loan in collections. Which I cant afford! I refuse. The lady XXXX never mentioned any type of fees with interest being added for the loan at all. I even asked for a payment to be pushed to the end. she said she couldnt Do it! When it was with XXXX XXXX XXXX
Product: Checking or savings account

I had an account with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. During that time I noticed many banking errors and discrepancies with my balance. Another account appearing and disappearing from my profile, and amounts being rearranged that cleared more than a month ago to cause me to pay multiple overdraft fees.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have XXXX and XXXX and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is
Product: Credit card or prepaid card

Have had my Nordstrom card for over 2 years. Only one late payment. They decreased my limit due to random credit pull
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical  documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Student loan

Constantly having issues logging into website to make payments. It keeps saying account is recognized. Contacted customer service to reset password ( which I knew the password ) and they never respond.