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

They post it to all 3 bureaus without my permission. The corporate United States created a tacit mortgage on my private property without my knowledge or consent and is using it as collateral for loans of credit and money substitute from the non-federaXXXX XXXX XXXX XXXX. HJR 192 of 1933 and UCC 10-104 and 1-104 which is my congressionally designated right. You have XXXX hours to remove it. I want to be notified when its done..
Product: Checking or savings account

XXXX XXXX XXXX Our records indicate that the {$3800.00} was denied, since it shows that the transactions were made through a secured online banking session by the customer or someone, they gave authorization to. 


This claim was denied because the company said that I gave authorization to someone to make this payment. However, this is false. I filed a police report on it when this happened and even paid to do a lie detector test showing that I didn't give authorization for it. 

When I called the bank, I was told that all the XXXX accounts that the money was sent to has been XXXX, and I was not tied to any of the emails registered under their XXXX. My personal information was leak leading to someone sending the money from my bank. However, this does not mean that I ever gave anyone permission to do so. Please look into the recipients and do an investigation on their accounts to prove my innocence.
Product: Payday loan, title loan, or personal loan

I went to XXXX for a consultation onXX/XX/2023 for laser hair removal for the buttocks, face and neck. I was informed of a payment plan. After my consultation appointment I received a call to sign paperwork. I signed the paperwork for a 36 month payment plan electronically. On Friday XX/XX/ I called XXXX to cancel any upcoming appointments and to cancel the loan. I was informed by XXXX staff they could not cancel or close any loans it would have to be done by XXXX XXXX since the loan had already accepted. I reached out to XXXX XXXX, they informed me that they were unable to close the loan out that it would have to be done by XXXX. Ive called both XXXX and XXXX XXXX on this matter every day for a week now. Nothing is being resolved. I have not paid anything nor have I had any treatments. I have been trying to close or cancel the loan two days after I signed. I no longer want services or treatments.
Product: Credit reporting or other personal consumer reports

I'm writing to express grave concern about intentional privacy violations by the three major credit XXXX, Equifax, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the XXXX credit bureau was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
SPECIALIZED LOAN SERVI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to submit a " dispute '' for their ( Equifax ) listing of a wrong previous address ( XXXX XXXX XXXX ) which I have never lived seen or touched!!, but every time i try XXXX, NY ) to submit the dispute after entering all the initial information XXXX ) they require as Step 1 of 5, they kick you out with error message : " YOUR TIME HAS RUN OUT - PLEASE TRY AGAIN '' AND it does not matter how many times you try!! 4. There is also the problem that if you lookup XXXX & last 4 = XXXX you will find the are XXXX of us with the same last 4!!!
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX XXXX approved me to finance a XXXX XXXX XXXX XXXX in XXXX, 2 weeks later they took the car back saying I wasn't approved for the loan and I need to put it in someone else 's name, my wife tried to CO-SIGN, but wasn't allowed to due to a prior XXXX  XXXX, filing, but the Sales Rep XXXX said he could put it in her name, as the car was comfortably {$420.00} per month, due to the bankruptcy, in her name, it went to {$680.00} per month,, 2 weeks after that, the finance companies wrote me letters ( XXXX XXXX ) Iwas approved for {$13000.00}, then the amount of the car, even with {$6000.00} down payment, half the car How on earth can we still owe, {$16000.00} on this car almost 4 years later? Something isn't right, this company is in XXXX
Product: Mortgage

Mortgage arrears for {$450.00} not applied to my mortgage. My mortgage no arrears when filin chapter XXXX
Product: Credit reporting or other personal consumer reports

I just noticed unauthorized inquiries on my credit report today and have no idea how they got there. When I checked my report, discrepancies appeared out of nowhere. I tried refreshing my browser, thinking it was a glitch, but the inquiries remained. Please review the documents I sent so this issue can be resolved quickly, and I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I am victim of ID Theft, while I was away at XXXX XXXX XXXX XXXX was broken into, all personal things were taken, ie : wallet, bank statement and tax information. I reported the issue to my XXXX  and campus police. i was advised to file a formal complaint. I pulled my credit report and noticed several items on my credit profile I did not authorized or applied for. I have contacted XXXX XXXX, XXXX, and Experian several times. And have not helped me resolve the problem. I request the following account to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

GLA Collection Co. Inc.

Subject : Dispute of Collection Account Reported by GLA Collection Co. Inc.

Issue : I am disputing a collection account reported by GLA Collection Co. Inc. for {$730.00}. I have no knowledge of this debt, and it appears on my credit report without my authorization or verification. 

Details : Collection Agency : GLA Collection Co. Inc. 
Balance : {$730.00} XX/XX/year> Original Creditor : XXXX XXXX XXXX XXXX - XXXX I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). This account may have been added in error or could be a result of identity theft.

Desired Resolution : 1. Validate the debt and provide detailed documentation showing I owe this amount.

2. Remove this account from my credit report if validation can not be provided.

3. Update my credit report to reflect accurate information.

Impact : This inaccurate collection account is severely affecting my credit score and financial standing. I request an immediate investigation and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Mortgage

On Tuesday, XX/XX/XXXXXXXX I received an email from my loan officer requesting a call to discuss the loan. Prior to our call, the loan officer and underwriting assured me the loan was progressing to a closing date in XXXX, and there were a couple of items on the title requiring clarification. Once those items were clarified, we were only waiting on employment verification to come back. On Tuesday XXXX, XXXX XXXX, loan officer, informed me there was bad news about the loan.She informed me that the three accessory dwelling units on our property will prohibit Carrington from proceeding with the loan, due to XXXX XXXX XXXX guidelines . Prior to XX/XX/XXXX, no one from Carrington mentioned anything about XXXX XXXX and furthermore, the loan officer and the underwriters knew there were three ADU 's on the property from the very beginning of the loan process in XX/XX/XXXX. They both commented about how beautiful they were and wanted to know if they could visit at some point in the future. Over the course of several weeks, before and after the appraisal was done, Carrington failed to inform us of any issues with the ADU 's causing a delay or a possible cancellation of our loan. After speaking with XXXX, I asked to speak with her supervisor. XXXX XXXX called that afternoon to reiterate the same issue with XXXX XXXX During our call, I asked for this to be sent in writing. He assured me it would be sent. He asked how he could make it right, and admitted that this was not due to XXXX 's ignorance, but rather negligence on her part and the part of everyone involved in the loan process. I informed him that he and his team caused severe damage to our family, our plans to begin surrogacy and the countless delays. He agreed that it is Carrington 's fault and accepted responsibility. I am requesting the decision to be detailed and provided to me in writing via email. I have called multiple times today, XX/XX/XXXX, and I've spoken to the Advocacy department, attempted to reach both XXXX and XXXX via phone and email, and our calls and emails have gone ignored. We need a formal explanation and the correct XXXX XXXX guideline cited in their response. As of today, the loan still shows in progress and the title company is still providing updates and requesting information. This experience has been stressful, painful and unprofessional. The lack of transparency and intentionally withholding information about this issue is grounds for legal action.Additionally, the appraisal initiated by Carrington Mortgage is inaccurate and devalues our home by approximately $ XXXX. The issue was brought to XXXX XXXX 's attention, along with supporting documentation from our architect stating the correct square footage of the home. XXXX told me the value on the appraisal was not negatively impacting the loan and encouraged us to file a complaint after closing with Carrington and/or the appraiser. We have received an appraisal separate from Carrington and it confirms the inaccuracies previously stated. I expect a prompt, detailed response immediately from Carrington Mortgage company.
Product: Credit reporting or other personal consumer reports

Credit limit reported to credit bureau is incorrect. My credit limit increased to {$2000.00} but they reported that it changed from {$2000.00} to {$1000.00}. This is opposite. This made my credit score drop XXXX point on my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

identity theft of my credit report
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries under FCRA 15 USC 1681c-605 ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, and therefore should be removed immediately in accordance with 15 USC 1681c-605 ( b ).

The inquiries in question are as follows : 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached Documents Required I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory 4-day period. 



Thank you for your attention to this urgent matter. 



Sincerely, XXXX XXXX
Product: Bank account or service

I deposited a check for {$7500.00} in my checking account at Wells Fargo Bank. The check bounced. Wells Fargo deducted {$15000.00} ( that is, the {$7500.00} check amount was never added to the balance ; when the check bounced, {$7500.00} was deducted from the account ) from the account and added about {$2300.00} from my Wells Fargo credit card to create a positive balance. The agent I spoke with on the phone had no idea how to handle the problem. I went to my local branch and spoke with the manager. At first he was n't interested in doing anything about the problem and called the XXXX {$7500.00} a " pledge. '' He was unable to explain what a pledge was. I was outraged. He finally adjusted the amount to show the proper checking account balance including repaying the credit card and assuring me I would not be charged an advance fee. 
This cost me 3 hours of my life and a great deal of aggravation. It is my feeling that if a bank can penalize a customer for a mistake, then a customer should be able to penalize the bank for a gross mistake ( which was apparently standard practice and not a mistake, a purposeful violation of a customer 's rights ). Should I take this to small claims and ask for punitive damages? What can you do?
Product: Checking or savings account

Dispute filed for XXXX transaction on XX/XX/year> through Chime XXXX XXXX XXXX  and was denied although I never received items. 
Another dispute filed for transaction of XXXX on XX/XX/year> through Chime XXXX  XXXX XXXX  and haven't received items.
Product: Checking or savings account

I have had several disputes filed on purchases that were not mine over the past almost 3 years i have had several new bank cards sent just this year alone and transactions unauthorized and not mine right after the cards are activated. The last few complaints date from XXXX 2023 for purchases from XXXX, i have asked them to deny any charges from XXXX  they have let them go through and deny all the disputes. I ama XXXX XXXX and my check is direct disposited each month the charges are between {$60.00} - over {$200.00} a month. I have requested the documentation on their investigation but nothing ever gets sent. Im going to close my account the charges just from XXXX a month are not being resolved and i feel they do not do a proper investigation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$500.00} -Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Late/Open
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.
Product: Money transfer, virtual currency, or money service

My Toyota XXXX was totaled in XX/XX/2022. I contacted Toyota financial about my dent and ding policy to cancel it and I was told I had to go to the dealership. I dont live in the same city as the dealership so I attempted to call but there was no way to get a live person on the phone. I then sent an email to the CEO of the company and was contacted by his executive assistant a month later. She stated that Toyota financial wanted a signed letter with some requested information and it could only come from me. I sent them a fax on XX/XX/XXXX. I have yet to hear from them or receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : I want to be reimbursed for the {$20.00} I 've spent freezing my credit with Experian and XXXX. The CFPB should be investigating these fees. 

Hello there, I thank you for your time and your patience. I 'm sure you are being slammed with requests right now. As an American citizen, I am thankful that we have people like the CFPB to field these complaints. 

Due to the recent XXXX breach in XXXX of 2017, I wanted to freeze all access to my credit reports by any of the existing credit bureaus. Though XXXX reportedly claims my information was not breached, my partners data was, and we both attempted to freeze our accounts, in case XXXX  was incorrect. 

I was astonished to find that XXXX, Experian, and XXXX are not only hawking additional protection services as a result of this breach, but still fully expect consumers to PAY to freeze their credit reports. 

XXXX seems to have done the right thing in offering freeze services for free ( temporarily ), but I am shocked that I had to pay {$10.00} each to Experian and XXXX for these services. 

I would love to be reimbursed for these ludicrous fees ( {$20.00} is {$20.00} more than they deserve in my opinion ), and I would love nothing more than to see the CFPB investigate these companies to help protect consumer data in the future.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a XXXX XXXX XXXX account and only had it open and availbile for not even 2 months and after that I received a notice saying that the XXXX XXXX account needed more information on verifying my identity and the company would not respond to me after I sent them all the documents they asked for multiple times over and the customer Service agent repeatedly kept asking me for documentation I sent them already multiple times over email and over their company message option. It took them from XX/XX/XXXX to XX/XX/XXXX to respond back to me and had my account frozen the whole time and I wasn't able to Access anything it was my own secured account. I put my own money into this account it wasn't on credit or a unsecured account or anything it was first and at the now a secured credit account. I tried multiple times over to contact customer service and did everything I could possibly to contact them and got no response. Until I filed a complaint with a credit law firm that helps consumers with their credit. Now my credit went from XXXX score to XXXX score and Reporting faulse information about not paying on time on which I have told this company multiple times I wanted it closed and got no response from them back. They stole my funds I opened my secured account with and faulsifiying credit score reporting on my behalf. They never closed my account never responded back to me and fraudulently kept my account open against my approval nor did they even have any okay or approval to report or have any sort of approval to keep my account open and not responded or being able to contact them regarding my important sensitive time sensitive situation they have caused me. They have fraudulently scammed me and I paid them for this companys service to provide up most professional credit Building program that was supposed to help my credit score and reports instead scammed me for faulse advertising their actual intentions with consumers sensetive personal information unprofessionaly ignore consumers when they get caught and get put on the spot light.
Product: Credit reporting or other personal consumer reports

( Receiver Equifax ) Equifax information crevices XXXX XXXX XXXX XXXX XXXX, GA XXXX I'm writing this letter to dispute certain information that is falsely listed on my credit report reference above. the information that appears on my credit report is inaccurate.
Product: Student loan

I continuously receive past due notices from EdFinancial, even though I pay significant more than I am required to. I have set up autopay and it does not work. Even when payments are manually made, and the payment due is advanced, I still receive past due notices. I have sent EdFinancial multiple requests and demands to resolve this and they either do not respond, or state they find nothing and immediately close the case.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles approach to handling disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. Despite using Zelle many times and reporting discrepancies, my financial institution and Zelle have not properly investigated my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The findings from the CFPB reveal that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the system, putting users at risk of scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$28000.00}, {$0.00}, {$0.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.