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

I have disputed account U.S Bankruptcy Court Ref # XXXX XXXX XXXX XXXX PENNSYLVANIA with Transunion at XXXX XXXX XXXX, XXXX XXXX, PA XXXX or XXXX XXXX XXXX, XXXX, PA XXXX I have Disputed this item 4 or more times with Transunion. I mailed a dispute letter on XX/XX/XXXX and transunion recieved it on XX/XX/XXXX. Transunion never responded and claimed they never recieved it already violating my rights as a consumer according to the FCRA, please see tracking below on the attached XXXX receipt with the address oXXXX XXXX XXXX XXXX XXXX, PA XXXX. I then called since the letter did not work to file a dispute on XX/XX/XXXX with a verified response on XX/XX/XXXX but they could not have verified the information or did any real research because XXXX XXXX no longer reports that account. I spoke to three separate supervisors and made another dispute with all three of them. The most recent being XX/XX/XXXX with another verified response. 

I tried to call Transunion with XXXX XXXX on a three way call and they said thety could not speak to XXXX XXXX. XXXX XXXX would have confirmed that they should remove the account. They are claiming XXXX XXXX verified it as accurate however XXXX XXXX has confirmed verbally and in writing that there is no public record on my file. See proof of attached XXXX XXXX report summary showing a deleted bankruptcy account. XXXX XXXX also submitted two disputes with Transunion directly with no response or change in the reporting. 

I also provided proof from XXXX  and XXXX  showing that they are no longer reporting the inaccurate account regarding this record. Pleas See the attached Reports. 

I also Provided a police report after experiencing this incident once I learned my rights as a consumer under the FCRA.
Product: Vehicle loan or lease

I purchased a lease with Hyundai in the city of XXXX California back in XXXX for a XXXX Hyundai XXXX  XXXX. I was around XXXX XXXX XXXX and paid the lease on time for 6 years straight. The Hyundai payments were XXXX a month. I gave a XXXX Hyundai XXXX for trade with a trade in value of {$6500.00} and also a {$2800.00} down payment for the somewhat brand XXXX Hyundai XXXX with that had just under XXXX miles. Because of my age and credit history I was taken advantage with a predatory lease! I was told that I would be able to purchase my car for {$10000.00} at the end of my lease, and if I didnt I would have to pay for wear and tare of the car as well as {$.00} a mile of excess use! When purchasing the lease they insisted on me purchasing the gap insurance they provided for just in case I didnt want to keep the car and had excessive mileage then it would cover what ever balance over the {$10000.00} it would take to purchase the car. This what lead to a higher payment to Hyundai per month! My perfect credit score allowed me to purchase this car and I was excited and wanted me to protect myself in so I thought! 6 years later with over {$23.00}, XXXX invested in paymentsnot including maintenance for the car plus a trade in we are in the pandemic and they would not allow me to purchase the car for what I we agreed the buyout would be! I couldnt not deal with original Hyundai XXXX that bought it from because they went out of business for bad business practices. The XXXX Hyundai XXXX  XXXX brand new value was {$23000.00} and after 6 years the value became {$18000.00} and the Hyundai would not honor the {$10000.00} value or not allow me a chance to make further payments to keep the car unless taking out a loan! They would not allow me to take out a loan because of going over XXXX miles in excess miles! With that the excess mile is now owed {$23000.00} which is the price of the car! Since then I have been backed in to a corner. Because of this my debt to Hyundai went from paid in full of lease to a inaccurate reporting on my credit report from owing nothing to owing {$14000.00}, and then over {$23000.00} in excess miles which is the price of the brand new Hyundai XXXX! I tried to settle the debt that I felt was of {$5000.00} which is the same amount I offered to give them as a down payment for the car at end of the lease and they said no they can only take {$18000.00}. They then sent me to collections with inaccurate reporting to an account that was maintained instead creating a new account for a new debt history that I never settled for. The collection company offered {$8000.00} pay off but I rejected it and they gave the account back to Hyundai where they wont come up with a reasonable resolution for a car that I worked very hard for to maintain and keep!
Product: Checking or savings account

Cash app bank allowing pending transactions to go through even after filing complaints against scammers
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, Equifax, XXXX, and a Debt Collector for multiple violations of the Fair Credit Reporting Act ( FCRA ) and state laws regarding debt collection in Mississippi. 


Violation of Mississippi Statute of Limitations on Debt Collection : Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies and the debt collector have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 


Identity Theft and Data Breach Impact : I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Failure to Block and Remove Information : Despite my multiple attempts to notify XXXX, Equifax, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report and failed to remove past the legal statute of limitations debt. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report.
Product: Debt collection

Credence resource management charged me for something I dont know anything about.
Product: Debt collection

" Contract was cancelled '' ... '' NO CONTRACT '' The original creditor who was XXXX XXXX sold my debt to a collection agency which is The Best Service Co.Inc and they also wrote off my debt on their taxes. This wrote off my obligation to pay. The contract I had with them was cancelled, I no longer have a contract with them and the debt is being reported to all three credit bureaus by the collection agency that they sold it to. The results to have them remove this collection debt off all three credit bureaus.
Product: Debt collection

In XXXX my ex-husband bought a car at XXXX XXXX  XXXX, Virginia. Our original car loan was through Citifinancial. In XXXX, I traded the car in after our divorce for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Virginia. I paid {$3000.00} as a downpayment and completed the sale. XXXX XXXX XXXX did not pay the balance on the loan with Citifinancial, and found out that the balance had been transferred to XXXX. I contacted XXXX several times to give them copies of the paperwork of the sale of the car, including the documents showing that the dealership had purchased the vehicle. 

In XXXX XXXX and few other finance companies sued XXXX XXXX XXXX in XXXX Circuit Court for the funds that they never received from the sale and trade-in of multiple cars. 

I started receiving debt collection notifications this year, again from law firms, claiming they are taking me to court for the remaining {$10000.00} balance. I live in XXXX, XXXX, and I asked for paperwork confirming their identities and confirming that there is an actual legal case. They refused to send me any paperwork, talk to a more senior person, as well as provide a copy of the debt. 

I called them on XXXX on XXXX XX/XX/XXXX, at XXXX XXXX XXXX, XXXX time. They claim to be XXXX XXXX XXXX, there is no information online about this company, and they continue to leave threatening messages on both my Mom, XXXX XXXX 's cell phone XXXX and my sister, XXXX XXXX 's cell phone XXXX. 

I have not had documentation for this since XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$320.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

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

I am requesting that these unauthorized inquiries be removed. I followed the fraud procedures for Equifax and they did nothing. I have fraudulent inquiries on my account that are affecting me getting credit. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am complaining about XXXX, XXXX and Equifax the major credit reporting agencies that have reported an account for collection under the original creditor " XXXX XXXX '' with the account # XXXX I am a victim of identity theft and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 166B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

We have made several attempts and requests to have the PMI removed from our account. I submitted formal paperwork along with the required payment in XXXX. Since then, I have contacted PHH Mortgage requesting an update on my request. Each time I have been given a courtesy email stating they need 10 days to process my request. I received an email from my mortgage company wanting me to refinance my loan and stating the value of my home was more than double what I owed. When I confronted them with this information and asked again WHY I was paying PMI, I was again given the 10 courtesy email. I called and was told unfortunately nothing had been done with my request. When I expressed to them I wanted it handled before my XXXX payment or I would seek another Mortgage company, I was assured this would be taken care of. Today I received a letter stating they are no longer servicing my loan .... no refund of my required payment for the consideration for the PMI removal that was NEVER even reviewed ....
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$600.00}, XXXX XXXX XXXX XXXX Balance Owed : {$790.00}, If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I am writting to formally express my concerns regarding Zelles 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but 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: Checking or savings account

Capital One is the bank that I bank with, and my direct deposit and also money in my account was kept from my ability to use because of a leak of data. I could not use my account for XXXX days or receive my direct deposit check. With that happening I missed payments on bills I needed to pay on time.
Product: Checking or savings account

I called customer support at fifth third bank on Friday XX/XX/XXXX for help doing a mobile deposit of my stimulus payment I got the help I needed and was told my funds would be available on Saturday XX/XX/XXXX when I checked my account the funds were not available I contacted customer support again and was instructed to go to the bank branch which I did I deposited my check just to be told my funds would not be made available until Tuesday the XXXX I then requested to just cash the check and I was instructed they could not cash the check I pointed out that it was a check from the US Treasury I have banked with this bank for over 4 years as a result of this I had to borrow money and extend my car loan payment which has cost me over {$150.00} in Interest
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. Wells Fargo was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

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

I have started sending off challenge letters since XXXX XXXX XXXX about my personal information and collections/charge offs. This was basically a warning signal for them to make sure they are doing the right thing. Experian proceeds to say it is accurate without following proper investigation procedures according to the federal law. I call today XX/XX/ and spoke with the supervisor to demand that items that are on my account be deleted because I have never gave Experian any written permissible purpose ( 15 USC 1681b ( a ) ( 1 ) to furnish such accounts and personal information on my consumer report. The supervisor said and I have no right to demand anything to be deleted off my credit report because I said so AND that Experian does not need my written permission to furnish anything on my report. The Supervisor said that this was the law that they did not need any written consent from me. So not only did he said I have no right but he is lying saying that the law says they don't need any written information from the consumer. I know me as the Consumer I have every right to demand what I want furnished on my credit report or not according to the FCRA. They are literally trying to take my rights away WILLFULLY AND ARE IN VIOLATION. 

The abuse on my consumer report was the reason why I was not able to be approved for an Apartment in XXXX, North Carolina called " The XXXX ''. There is evidence from resident verify from the inquiry from Experian. 

Then from my previous CFPB complaint XXXX they wanted additional authorization because they suspected a " third party '' was involved when I already sent in my ID and W2 as confirmation that I am me. As stated from one of your representatives, this is what they respond with when usually they think a credit repair company is acting on the consumer. This is defamation of my character and I do not appreciate that they think I can not act on my own rights and consumer report.
Product: Credit card

On XX/XX/2024 I got a forensic audit done by way of XXXX XXXX. In the report it shows Capital One, securitizing my application in their trust account. Then after it was securitized they began to trade it and make money off my account without my consent. This is a violation of the SEC.
Product: Mortgage

On XX/XX/XXXX, I entered into and signed an agreement for a COVID Loan forbearance program with Caliber Home loans. On XX/XX/XXXX, Caliber Home loans marked me late for EVERY month I was in forbearance. Each of the three major credit reporting agencies now show 's me late and not paying for over 12 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the Fair Credit Reporting Act, this company 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. If the company can not provide the original signed and dated contract stating that I give permission for any alleged debt to be sold to their debt collection agency also including agreement to repay a third party I request that the account be removed from all of my credit reports including XXXX, XXXX, and Equifax.
Product: Money transfer, virtual currency, or money service

My Coinbase account got hacked into, I locked the account and changed my password, now when I try to sign in it directs me to a verification page to prove its me. I have done the verification and I keep having to repeat the verification process and it wont let me into my Coinbase account. I just get directed to the verification process everytime. Please help Ive emailed multiple times and they keep responding with the basic response. They arent helpful at all! I have a lot of $ in this account and Im worried my funds are gone or Im not gon na be able to get in.
Product: Credit card

Failure to due their lawful duty and credit my account appropriately. Please see attached paperwork.
Product: Credit card or prepaid card

XX/XX/XXXX RE : Citi Visa - Costco Visa Dispute Department XXXX. XXXX  XXXX XXXX XXXX, South Dakota XXXX RE : TWO TRANSACTIONS - TWO DISPUTES The merchant, XXXX XXXX said they refunded the entire amount due to the pandemic - NO MONEY HAS POSTED. 


I bought three airline tickets from XXXX XXXX - two separate purchases charged on my VISA Costs card One purchase : Reservation # XXXX - Two tickets for : {$1100.00} - purchased on XX/XX/XXXX for XXXX and XXXX Second purchase : Reservation # XXXX - One ticket for : {$770.00} - purchased on XX/XX/XXXX for XXXX -- ( and an XXXX  / no charge ) XXXX XXXX  SAID they refunded my money due to the Pandemic and gave me documentation. Citi Visa said they did not issue the money. 

XXXX said they refunded {$770.00} on XX/XX/XXXX - XXXX Reference Number : XXXX XXXX said they refunded {$1100.00} on XX/XX/XXXX - XXXX Reference Number : XXXX I have not received any money refunded / no money credited back to credit card. 

I am DISPUTING both charges. XXXX XXXX said they refunded the money. 
Citi Costco Visa says they did not. 

*Included is a copy of my credit card charges with the TWO disputed charges circled. 
*Included are emails from XXXX stating that they refunded my money. 

Please resolve this immediately and notify me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint regarding the incorrect information on my credit report. I have yet to get a reasonable response.