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

I have applied to XXXX to be my cellphone XXXX. XXXX requires my credit report. I unfroze my credit report with Experian. I dont have cellphone or text service so when Experian texts me codes to confirm my authentication I dont receive them. Experian provides a telephone number XXXX to talk to a customer representative. On XXXX XXXX I have called multiple times daily and only get automated responses which dont address my problem, which is sending me codes to a phone number I cant access. This results in the inability of XXXX to be my cellphone XXXX, leaving me with no cellphone service. This could all have been resolved with a conversation with a nonexistent customer service representative. Reviews by many others indicate Im not the only XXXX with XXXX  lack of customer service.
Product: Debt collection

I contacted the collection agency last year asking for the validation of these medical debts I have even applied for charity on the collection they claim I owe they also do not verify who they are when calling and took nearly a year and half to do a judgment I am currently unemployed and XXXX this collection agency tries to play dirty and uses an attorney that does divorce cases no follow up to my request or anytime of settlement offer on amounts owe I wish to have this judgement vacated under the fact I applied for charity care
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}
Product: Credit card or prepaid card

I have contacted CitiBank to dispute a charge on my credit card for 2 tickets sold by the merchant XXXX for a service that was not delivered as expected. CitiBank did not dispute the fact that the service was not on par with what was advertised ( a XXXX XXXX XXXX show ) but claims that it is the theater and the troupe that are responsible for the quality of the service and not the merchant. However, I did not purchase the tickets from the theater/troupe ; in fact, when I approached the box office to request a refund, I was told the theater had no record of me purchasing the tickets. Indeed, I have purchased the tickets from XXXX and the notion they don't have control over the performance has no bearing on the fact that I was not provided the service as expected. CitiBank refused to reverse the charge.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX I received a phone call from my neighbor that a tow truck had pulled through my fence and into my yard to tow my car. Because I was behind on my car payments I phoned XXXX XXXX who had merged with my original loan company named XXXX in XXXX. The original loan was with XXXX in XXXX. When they merged I only received XXXX billing statements over XXXX XXXX years. I sent payments with old statements or just a check or through XXXX XXXX. 
When I called on XXXX/XXXX/XXXX, They had no idea or documentation regarding the repossession, and could not answer why I did n't get any letters about the intended repossession. I was asked to call back in XXXX hours. After calling back and speaking with different people and different departments through out several calls the dame day, I was told that I would have to pay a total of {$2800.00} or a minimum of {$2600.00}. On the same call I was told if I pay XXXX of the XXXX due payments I could get my car back. Earlier I was told that this would n't include fees because they had n't been determined yet. However, when I called back on XXXX/XXXX/XXXX I was informed that I had XXXX pay {$3500.00} ( the total amount of the XXXX back payments Plus the late fess, tow fees, and repossession fees. This was contrary to what I was told a day earlier. 
In addition, I explained to every agent that I have not worked full time since XXXX XXXX, and that I had filed for Federal Social Security XXXX. I asked several times to refinance the loan. They refused each time.I even asked on XXXX/XXXX/XXXX, only to be denied. Finally, I should have received notice of pending action by the company regarding intended repossession.. Also, I should have received statement each month after the merger. No one could explain why I had n't got any correspondence. They said they 'd did n't have the change of address I made on my XXXX payment, but they had the right address to repossess the vehicle.
Product: Vehicle loan or lease

I contacted Mercedes Benz Financial/Credit Services shopping for car loan. I was told that a credit score of XXXX or lower, the default interest rate is 5.99 %. I knew my credit score was higher then XXXX. So I allowed the representative to pull my credit, suffering a hard credit pull. He quickly determined that I have several loans but all in good standing and my score is XXXX. He then offered me an interest of 6.25 %! This is outragous! That is prediatory lending! I couldn't believe it. I want Mercedes Benz to further look at my application and review my credit. I also want CFPB to look into this situation and determine if I was discriminated against. I think because I am a XXXX woman my credit inquiry was dismissed and disregarded. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

See info below for errors and violations. XXXX is for TransUnion, XXXX and XXXX to delete this account permanently.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to Equifax via XXXX certified mail ( tracking number XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed in my credit file. To assist in verifying my identity, I included a copy of my photo ID, social security card, and XXXX with my current address. 
According to XXXX information, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and valid request, Equifax has not provided any investigation results. It has been more than XXXX  days since my submission, and I have received no communication or resolution. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. I am including a copy of my dispute letter sent to Equifax and XXXX certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / XXXX / TransUnion XX/XX/2017 RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

I found several unauthorized inquiries on my credit report that Experian refuses to remove from my file. Experian can't verify that the information is accurate or provide proof that I authorized these inquiries. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I recently checked my XXXX  report and saw a fraudulent collection from transworld system Inc.

I have never done business with this company I dont know this company this company doesnt have a contract with my signature. 


I reported a fraud report with FTC.gov on this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. 
Today I woke up to XXXX XXXX being added to my credit report ( Equifax and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX )  however someone placed this on my credit when I asked for validation. 

Also this debt which is not valid at all and was sold illegally to another company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2500.00} INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 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 findings indicate that Zelle has neglected to protect consumers and allowed repeated 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: Credit card or prepaid card

For my Navy Federal credit card, approximately six months ago, I experienced fraudulent activity on my credit card. This occurred due to someone hacked into my computer and signed into my Navy Federal account. They then took a cash advance from my credit card and transferred the cash into their external XXXX XXXX XXXXXXXX account. 

This transaction resulted in my credit card having cash advance monthly interest charges. This has been brought to Navy Federal 's attention three to four times each month when the interest charges posted to my credit card. I have submitted three to four monthly credit card disputes to include email correspondence to Navy Federal. All efforts to have the interest charges removed and to resolve the issue have all been unsuccessful as I have not received notification, updates or status of all of the disputed transactions. And the last interest charge posted to my credit card on or about XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian has failed to abide by the FCRA rules and regulations and is in violation of protecting my consumer file from being subjected to denial of employment, loans and credit lines. 

Experian has been reporting a negative account on my credit file for 2 years that has been in dispute. The account reads XXXX Acct # XXXX. Balance of {$10000.00}. 

Experian has updated this account as certified as accurate. According to the FCRA all credit bureau have to assure that the reported information is 100 % accurate and verified or removal is a must. 

On XX/XX/XXXX Experian updated this account as certified as accurate. On XX/XX/XXXX this account was removed for not being accurate and verified. This account was then placed back on my report XX/XX/XXXX as verified and had been being updated as certified and verified every month thereafter. 

Unfortunately, this account was not verified for 100 % accurate by Experian, they have been failing me as a consumer and have been effecting my employment and loan results. 

On XX/XX/XXXX my dispute results were updated as the account being verified and verified that the information is accurate. 

Experian has been allowing the above account to report a debt being owed in the amount of {$10000.00} that is listed as charged off multiple times. 

They have allowed this company to report the debt as charged off Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. How can one account be charged off this many times??? 

Experian has failed to verified this accounts 100 % accuracy and has been continually been reporting this in accurate information after the many disputes I have put in and has not been protecting me as a consumer. They are in violation of the FCRA and this information is also being sent to FTC and the attorney general for unfair credit reporting practices. I have attached how Experian has been reporting this in accurate unverified debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was shopping on XXXX XXXX for a XXXX XXXX XXXX. I came across an offer at the following link XXXX XXXX XXXXXXXX  XXXX The ad specified the item was nearby and brand new for {$520.00} + XXXX shipping. I reached out and began corresponding with the seller. I submitted an offer via credit card using XXXX XXXX check out. They cancelled the offer and insisted on using XXXX instead. I don't use XXXX to often but it is offered by both of my banking institutions so I agreed. I sent a payment that was requested in the amount of {$450.00}. I asked if this was accurate and they acknowledged. Then I received a text saying I didn't send enough it was {$540.00}. I knew this was more accurate so I sent an additional {$90.00}. Then they responded saying their mom wouldn't allow it sold for that price and it asked if {$100.00} more was ok and I agreed because price was still reasonable. Shortly after they asked if I wanted to pay {$100.00} more for all the accessories they bought with it because they would not have a use for them if they sold the XXXX. They furnished a receipt that included a charger, a remote and a wireless headset. I agreed but insisted this was all I felt comfortable spending and that if it was going to be any more then I wanted a refund. They insisted that was all and they would send me tracking number. Today, XX/XX/2021, I requested the tracking number and they said they needed another {$100.00} to pay for tariff increases. I asked what tariffs there were between California ( which is where the receipt was from ) and Washington? The told me " Trust them, no XXXX I promise. '' I refused to send any more payments till I receive a tracking number or a refund and have since heard nothing. I reported a scam to XXXX XXXX, XXXX and my bank, Chase. I was told by both Chase and XXXX that I sent the payments so there is nothing they could do. I feel that this is an unfortunate answer from both my bank and XXXX seeing that my bank offers it as an option through their banking app. Why would they offer something that they don't help or protect their members from. I rarely if never use XXXX XXXX and hardly use XXXX except to lend my daughter money but now I less inclined to use either and feel that is my bank is not willing to protect me as a member then they shouldn't offer something that allows their members to be so vulnerable to scams.
Product: Vehicle loan or lease

I've sent a Debt Validation letter to request paperwork from Westlake Portfolio Management where they received it on XX/XX/23. The letter was USPS express with receipt confirmed to Westlake Portfolio Management. I have also started a dispute with all XXXX Credit Bureaus and entered code 15USC 1692g. I have not received any Validation paperwork back showing me where I agreed with them on any debt. They have applied fees etc while I continue to wait for Validation. I have a cease and desist in the Debt Validation Letter and yet they have reached out to me via email about payment toward the account that Westlake Portfolio Management has yet to send me Validation for showing me where it belongs to me. Westlake Portfolio Management also was supposed to remove a XXXX late remark on my credit report and still have not done so. I'm requesting that they remove the remark on my credit. I spoke to XXXX who works at Westlake Portfolio Management rep and I told him my situation. He stated that it would be removed. He also gave me a confirmation number, XXXX. The call was recorded and monitored. Please help me with a solution about Westlake Portfolio Management. This account is affecting my credit.
Product: Money transfer, virtual currency, or money service

Between XX/XX/year> and XX/XX/year> I was hack so XXXX I tried to contact Cash App and couldnt get nothing resolved and I contacted my bank cause my bank was connected to Cash app I was hacked and now the bank said I owe them XXXX
Product: Debt collection

I paid North American Credit Servies XXXX XXXX, TN XXXX XXXX or XXXX, {$55.00} towards account # XXXX. They sold the debt to another creditor and now tell me they have no record of the 2 transactions. My original account # XXXX and secondary account # XXXX. My payment confirmations # 's XXXX {$50.00} and # XXXX paid XX/XX/XXXX for {$5.00}. When I called to ask about the missing {$55.00} they told me to call the original hospital ( florida hospital ) for a list of payments. When I called the hospital they said they have no record. My debt was {$230.00}, I paid {$55.00} leaving {$170.00}.
Product: Credit reporting or other personal consumer reports

Im sick and tired of seeing wrong information on my report. Im fed up and stressed out. I will not put up with seeing incorrect personal info that is causing issues on my reports any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

- in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph 3 instructions 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below EMERGE- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING
Product: Debt collection

I have no knowledge of this account. I never received any notices regarding this account. This is listed as medical and violates HIPPA. I want this removed.