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

I'am a victim of identity theft. I have a fraud alert on all credit bureau 's. On  XXXX   XXXX ,   XXXX   someone tried to obtain a loan through  XXXX . I was notified from  XXXX  and they began an investigation. A few hours later I received a letter from  XXXX  denying my loan because of my credit score, and various other reasons listed on my credit report. Not once did  XXXX  reach out to me and inform me that someone was trying to obtain a loan in my name. This is the reason for the fraud alert. It is clear  XXXX  ignored the fraud alert. I called  XXXX  and explained about the identity theft and the fraud alert and was told no loan was issued. How does this help me? Why was I not contacted? I also want the inquiry removed from my credit report.
Product: Checking or savings account

I went to XXXX XXXX XXXX XXXX this morning. theManger XXXX XXXX helped me. She took a lot of time and effort to correct my situation ; as she explained it to me. 

her professionalism, kindness, patience and compassion., served me well. My account is corrected and I am satisfied. She also initiated a Dispute for me ( which was a mistake ). 

If anyone has a problem with miscommunication at NFCU ; I would suggest they go see XXXX XXXX XXXX XXXX. She is as kind as she is well versed in her job.
Product: Credit reporting or other personal consumer reports

The credit reporting agencieXXXX, XXXX and Transunion continue to report my XXXX XXXX platinum credit card ending in XXXX as a charge off. However, I was a victim of a XXXX in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to 3 years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this charge off account from my credit report agencies as it is a result of fraud.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Product: Debt collection

I have received several calls from this number : XXXX. Caller says the message is from a debt collector and gives this number to call back : XXXX. I have not talked to the caller and only know the message because a voice mail was left. I am not aware of any outstanding debt and I have not received any written communication from any company about money owed them. I think the call is a scam and hope you can handle it.
Product: Money transfer, virtual currency, or money service

I am writing to formaly 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 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 scam.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously and review the attached file. I have spent an exhausting amount of time trying to correct the errors on my credit report, yet my requests continue to be ignored. This ongoing issue has negatively impacted every aspect of my life, and I have reached my limit. 

These inaccuracies are taking a serious toll on my mental well-being, and the financial strain caused by my lowered credit score has made it even harder to seek the help I need.
Product: Debt collection

moved into apartment homes in 2017 on a 6-month lease. Moved out mid XXXX after surviving a terrible hurricane Harvey, with lease ending in XXXX this was best to serve better conditions with a newborn baby, office was notified and keys were turned in. office states we left the apartment a mess which is the reason we choose to move the apartment was old and roach infested with very old outdated appliances, to try to charge us for the condition of the apartment when we moved in is unfair. before all this transpired this was not communicated with me nor my husband such large amount {$1900.00} was due, we did not learn of this until it hit our credit and even then when asking for proof and records of damage they could not provide this info to us. Once they sold the debt to a collecting agency this agency called and harassed me three to 6 times a day weekends included, when asking could i have more info or an amount they transferred me to an agent who was rude and very distasteful to the human kind. she is truly the reason I no longer will call and try to settle this debt just to have it removed off of my credit. The new debt collection company reps are mean and not understanding at all.
Product: Credit reporting or other personal consumer reports

I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX  # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.
Product: Debt collection

I have been receiving collection letters from a collection agency called " Ad Astra '' for a debt that I have not availed ( from XXXX XXXX ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both Ad Astra and XXXX XXXX as to the origins of these collection letters.
Product: Debt collection

I did not take out a loan for school. I had automatic payments taken out for the high school program. When we fell on hard times and job was lost. I let them know we could n't do it anymore. As soon as the payments stopped. I stopped my schooling. They say I owe this money yet I KNOW I do not
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX XXXX XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted XXXX XXXX XXXX XXXX  and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Product: Debt collection

My Data was breached and these accounts were opened while I was in prison and are in charge off under the FCRA 15 USC 1681 law I request that all these accounts be removed immediately
Product: Vehicle loan or lease

Tried to initiate a state title transfer with Hyundai Motor Finance ( HMF ) - submitted multiple requests for 2 months. Called approx 20 times during a month ( average call time : 40-50 minutes ). 

First I was told that I can not upload the XXXX form myself ( which my insurance company emailed me ), and I have to get them to mail HMF, which I did twice. I also faxed HMF the XXXX form ( which was something a supervisor told me after I had made 11 calls in 2,3 weeks ), but they rejected it again.
Product: Vehicle loan or lease

Santander auto loans have been involved in a 32 state lawsuit and the class-action lawsuit is complete with Santander being required to pay out billions of dollars in retribution. I am one of those people on said lawsuit. His company has repeatedly refused to provide me documentation they have charged off my loan while I was in the middle of paying it they have incorrect information on my credit report they refuse to fix for over 2 years from the amount that they stated are owed to the late payments which were not late to the fact that now I have no title still to this vehicle. I have paid over {$35000.00} for a used vehicle and they have no record of the original contract they refused to send it to me and they refuse to acknowledge that I put a down payment on a vehicle that they never applied to the actual balance of the loan. I have every piece of documentation yet I don't have the original contract from them only from the dealership. For example in XXXX of XXXX they stated I owed {$17000.00} on the vehicle and they reported that to all of the credit bureaus however when I log into my account the balance I owed in XXXX with {$17000.00} with 188 payments being made almost equaling the amount of {$500.00} for each payment. So therefore that small example shows that they are fraudulent and they actually owe me money. There are 188 entries and transactions in my account for Santander showing every painted that I made from XXXX XXXX until XX/XX/XXXX. How would I still owe them money? Why would they charge off an account that I am still paying on? From XXXX of XXXX until XXXX of XXXX I have every transaction and I have every transaction from my bank before that as well. If this is not fixed I am working with a credit repair company and an attorney to get this taken off and this is my final attempt to do this the right way.
Product: Debt collection

Will not tell me anything regarding the purpose of their call or their names or the company they work for unless I give them my personal information. Not going to happen!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 NO ADDRESS ON FILE Dear Sir or Madam, I saw that the companies above pulled my credit report on XXXX, EQUIFAX, XXXX. 

I do not understand why they believe they had the right to do this. I did not give a permissible purpose to anyone pull my private credit report. 

Please tell the credit reporting agencies to delete the inquiry or tell me in writing how you had the permission under the Fair Credit Reporting Act to pull my credit report. 

Thank you for your prompt attention to this matter. 

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

I have a debt reporting on my credit for medical debt that is not mine. I have no knowledge of this info nor do I recognize the remarks listed. This debt does not belong to me.
Product: Credit reporting or other personal consumer reports

I requested XX/XX/year> to remove this fraud inquiry & I been ignored by Equifax. 
Im not truly protected with Equifax fraud alerts, etc. I was a victim of ID theft again, my info was stolen in the XXXX XXXX XXXX XXXXXXXX breach, Equifax data breach, XXXX XXXX XXXX XXXX XXXX XXXX XXXX breach. My emails, phone number, bank accounts were hacked & my credit is once again compromised & this fraud inquiry ( XXXX XXXX  ) was placed on my Equifax credit report on XXXX Equifax continues to violate my rights.
Product: Credit reporting or other personal consumer reports

I asked equifax to validate account and provide me with validation info they failed to do so
Product: Credit reporting or other personal consumer reports

Pentagon Credit Union Account Was Paid And Closed : Thank you for contacting PenFed. 

We are committed to supporting you. 

Our records indicate that you paid off the {$500.00} charges on the account ending XXXX on XX/XX/year>. 

On XX/XX/year>, a Paid In Full Letter was scheduled to be emailed to you for your records. 

As a general note, it can take credit reporting agencies up to XXXX days to update your credit report. 

Unfortunately, once we report to the credit agencies the updated changes, it is up to them to make the change effective on their end. 

We apologize for any inconvenience in this matter and wish you the best in the next stages of your life. 

Thank you for your valued time. 

Please feel free to reply if you need further assistance. 

Sincerely, XXXX XXXX PenFed Credit Union
Product: Checking or savings account

Citibank is mandating a lot of additional information from me claiming a " periodic security check ''. They refuse to provide any basis for their request ( except for saying it is mandatory ) and will close the account if I do not provide the information. 

My accounts are owned by a special needs trust I opened to provide funds for my daughter, a minor with XXXX XXXX XXXX, The two parts I have issues with are the following : 1 ) Requirement to provide the total amount of assets owned by the trust. This information is private and the bank refuses to provide any basis for being entitled to it.

2 ) Requirement to provide trust documentation. I provided it to the branch when transferring the account to the trust. Citibank refuses to use that " because it is on file with the branch so you have to now send it to us ''. This is documentation I already provided and expect Citibank to own the communication within their own organization that is needed to access it, rather than demanding that I send copies to multiple departments that refuse to speak to each other.

I spoke to Citibank about it on the phone, got no help, asked to be transferred to the complaints department, the specialist said she would transfer me and hung up.
Product: Vehicle loan or lease

On XX/XX/2020, Ally Financial repossessed my vehicle. I didn't consent to any paper work for them to resale my vehicle, because initially I wanted to pay to get the vehicle back. The car was then resold without my consent and there was a remaining balance of {$41000.00} left for me to pay. By law, I was supposed to receive a bill of sale or some kind of documentation stating what the car was sold for. I haven't received anything from Ally Financial. They also falsely reported late payments onto my credit. 

I have reached out to the company to resolve this, but they haven't gotten back to me. 

I am asking Ally Financial to delete the entire profile due to false reporting and failure to provide the XXXX XXXX XXXX.
Product: Credit card or prepaid card

I was denied in store for a Lowes Advantage consumer credit card. I received a letter stating " high risk source of application '' a week or two later. Whatever that is. No contact information in the letter at all or any recourse. It is difficult to impossible to find XXXX contact information. I tried again approximately three weeks later at home on wifi speculating Synchrony might consider that secure. Denied again when I tried to pre-qualify. I have excellent credit, a good job and no credit card debt. XXXX reasons I should have been embarrassed in the store. Also, I am doing a large renovation project on my house so not receiving the 5 % off is costing me money.
Product: Credit reporting or other personal consumer reports

There is identity theft occurring on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXX XXXX Account Number : XXXX Reason : Identity Theft
Product: Credit reporting or other personal consumer reports

I locked my credit report and placed my phone number on my credit file in case someone tries to use my social security number. TransUnion refuse to investigate my inquiries. I request copies of written documents and applications but they are giving me the run around, and doing everything in their power to not help me. I ask for a supervisor and they refuse to do anything but read from a script.
Product: Debt collection

THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES, AND NEVER GOTTEN PROOF, OR ACTUAL INFO YET THEY SAY THEY CAN VERIFY IT. IDENTITY THEFT. PLEASE REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX  XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXXXXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}
Product: Debt collection

XXXX XXXX XXXX were contacting me for a medical bill that was due to a car accident in XXXX of XXXX. The hospital never took my insurance information ( 100 % XXXX Veteran with full VA coverage ). Due to the nature of the accident I have an attorney and the case is in litigation currently, suing the other party. All medical providers who provided me with a bill were instructed to send the bill to my attorney so the law firm would pay it due to the suit we were filing. Hospital was told this Atleast 10 times before they sold the debt to XXXX XXXX recovery. Central states then called me multiple times a day for months, from XXXX XXXX XXXX. I told them a few times to send anything to my attorney as it was in litigation. After 8 attempts to tell them to contact my attorney and send the bills to them, I asked them to stop contacting me. Then without notice, and with the case still pending, my credit report now has a collection from them added to it.