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

I have attempted unsuccessfully with XXXX and Experian on a number of items that they claim to be valid/verified. Yet, they both have yet to present requested verifications by or through original purchase agreements with credit collection companies, to provide valid contractual agreements with said collection companies, to provide proof of signature, who original creditor is/was. Related information such as first payment made, last payment made, when did consumer transactions begin, what legal grounds do collection companies have to report negative items with no prior consumer notification. 

XXXX and Experian are both liable for reporting such matters on consumers reports due to lack of professional responsibility or accountability damaging and causing due harm financially, professionally and reputation to consumers. 

XXXX. Both reporting agencies have myself XXXX XXXX XXXX listed with XXXX other names stating after XXXX disputes online, telephone and as well as certified mail stating it is impossible for there to be XXXX of me. 
Names they both claim to be valid and or verified : XXXX XXXX XXXX. with an XXXX '' at the end of XXXX. 
XXXX XXXX XXXX as well with an XXXX ' at the end of XXXX. 
As you can see this is ridiculous and as well as insulting to me both Race and Ethnicity with XXXX customer service rep from Experian stating well isn't the same? 
That is flat out discrimination. 
XXXX. Both agencies will not remove addresses that I have requested removed as they are incorrect, invalid, unknown, etc. and to add to that as an example. They have me listed as living or lived in Tennessee of which I never have yet they insist its valid or verified. 
XXXX. Phone numbers assigned to me which never have been or are inaccurate. Yet they still insist on claiming and denying my repeated disputes XXXX times. 
XXXX. Reporting information as accurate, verified and validated through other XXXX party agencies and insisting I am making disputes on information, items though no undisputable presentments are made. 
Example : reporting collections from XXXX and XXXX and XXXX and XXXX though no definitive criteria can be presented as definitively linked to me. 
Reporting XXXX dismissed bankruptcy XXXX XXXX month apart as mine though no information is reported from the Federal Bankruptcy Court is publicly reported and especially reported with " Full '' soc. sec. #. 
Items discussed have been disputed under15 U.S. Code 1681a- ( 2 ) ( I ), 15 U.S. Code 1681b- ( a ) ( 2 ), 15 U.S. Code 1681c ( a ) ( 5 ) All of which have been blatantly disregarded, ignored, with no regard to ones rights under the Accuracy and Fairness of Credit Reporting . 

I Thank You for your time and effort in helping to correct and make right of this matter. 

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

I was concerned why my credit score dropped so dramatically. My credit score dropped from XXXX to XXXX In XXXX 2023 and remains at XXXX currently. On XXXX 2023 XXXX XXXX XXXX XXXX transferred the servicing of my account to XXXX XXXX . I contacted XXXX, XXXX XXXX, Equifax, XXXX and XXXX. None of them could provide information as to why my credit score dropped XXXX points. None of my credit reports have new accounts being opened or other new activity that would effect my score.
Product: Prepaid card

I believe I received this offer after clicking a sponsored ad for credit card offers on XXXX. A few days later I received an unsolicited prepaid debit card displaying my name in the mail. 
Several attempts to reach a " live '' representative failed and automated methods required a SS number that I refused to supply. I have no active account with this organization, so I see no need to offer any personal information beyond my name.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX  verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance
Product: Money transfer, virtual currency, or money service

I am writing to verbally 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs funding indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety,
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have been having a problem with an item that appears on my credit credit report for over 2 years now. A Company called XXXX XXXX  Is being reported negative about me on my credit report. I had account with them in XX/XX/XXXX To XXXX of XXXX which was paid in full and is reported correctly, However there is another account that was opened XX/XX/XXXX and had become closed and charged off in XX/XX/XXXX with first late payments being reported in XXXX of XXXX. This account the one from XXXX of XXXX is not mine!!! I never had a second account with Acceptance Now Yet it has been being reported on my 3 major credit reports negativly about me for over 2 years and its not mine and I keep disputing this item I contacted them I was told they moved or switched companies basically I got the run around! I need help because I dispute over and over and over with the 3 credit compaines Trans union XXXX XXXX and month after month same thing nothing happens I get stuck with it on my credit report and I shouldnt have to wait 7 years for something that isnt mine please help me!! I have relatives that Have same exact first and last name as me one who was in prison and lived with me briefly then had his own place he could have used my name not sure but not me please help! As this stupid thing is hurting my chances of bettering my life post divorce with buying a houst getting 18 % interest on a car loan this account isnt mine I paid a XXXX XXXX XXXX for months and they string it along for the money Im to the point where I am ready to give up pls help me??!!!
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXXXXXX for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ago XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), XXXX are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account.

Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified.
Product: Money transfer, virtual currency, or money service

I basically discovered there was an issue ordering a Cash Card from the Cash App and have been E-Mailing for days for 2 weeks on an explanation to why I can not order one and got no response but that this was a known issue. The company basically lied to me because it was not a known issue and now the account is closed and I cant access my funds or can't pay my bills which led to me being charged more fees and suffering.
Product: Credit reporting or other personal consumer reports

I am requesting for the assistance for immediate removal of outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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 XXXX XXXX0}.
Product: Mortgage

Mrcooper won't give me the forbearance on my account XXXX I asked them for 6 months since I got XXXX and got sick. they won't give me the 6 months. I need help
Product: Money transfer, virtual currency, or money service

US Bank received a call on XX/XX/23 from a XXXX area code that didnt match the phone number on file. The bank added a fraud alert to the account according to a supervisor in the fraud department named XXXX. That same day, someone tried again and was able to change the phone number on the account then wire {$3600.00} and {$1200.00} to XXXX. XXXX has offered to investigate the situation. However, US Bank refuses to send a fed reference number, account number used at XXXX or an explanation as to why the fraud claim has been denied. XXXX of several reps in US Banks fraud department has also stated that the bank does not investigate money laundering and has refused to connect us with the legal team or the XXXX team for support. We have been hung up on numerous times. A police report was filed following the fraud in XXXX but we have not been able to obtain any information from US Bank to investigate further. These funds were removed fraudulently from the account. US Bank has provided no cooperation to try to resolve the issue, much less work on the clients behalf to return the funds.
Product: Checking or savings account

I opened an account, and everything was running fine. I deposited checks. And for some reason they put a hold- they challenged a few deposits without notification. They only sent me a letter after XXXX days, and I got it after a week. Every little thing they make notices, but for this they waited a week. And I wouldn't have deposited anything else if I had known this. Even more, when you open an online account, you see that your funds are available, but you don't see that there's a hold on the funds. You only get notice when you try to make a transaction, that something is wrong. 

So all checks were payable to my name, but XXXX of the checks were challenged. And they told me they were making a hold on the account, saying they wanted to verify who is the maker of the check, that he gave me the check. By the way, the same checks previously deposited from the same person didn't have any problem. 

First of all, the fact that they made a hold on the account without notifying me was wrong. And the fact that the checks were returned because of this, then I saw that there was a hold on my account. They didn't say anything before this. And when I called, they said they needed to verify these checks. I provided them with the phone # s of the makers of the checks, and they said that these numbers are not matching their system. So I can't give them anything more than give them what I have. Otherwise they can verify with their own information and it's on them. And they need to give me my funds back. 

So they ended up closing the account. And they sent me the balance that was in the account except for the amount of the XXXX checks, which I don't understand what their concern about these checks are. I got the checks from the maker, and I'm willing to give them the numbers, but I don't know what numbers are listed in their system. And I can provide them a letter attesting from the makers of the checks that they gave me the checks. 

By the way, I asked the makers of the checks for the contact information to give to the bank. But the bank responded that the bank has to call these people through their system- they can't call the bank themselves. So, I don't know what I can do further. I called multiple times, and argued with them, but got no resolution. 

Multiple times I spoke with the bank and argued with them that they should either give me back the checks I gave them or to give me the money. And I'm getting nowhere. There's no one to talk to. And the fact that they closed the account is also discrimination. And as a result, bills that I made payments on, had returned checks and other things without notice. 

Any information you need, please contact me. And let me know what help you need to resolve this issue.
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX, XXXX, and XX/XX/XXXX. 

I never gave XXXX XXXX XXXX Mortgage written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 
This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Product: Debt collection

Company XXXX XXXX was notified via written mail to stop communication over telephone. They continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Kansas, to inquire about a test drive for a vehicle shown on their website. I informed the salesman that I was interested in a newer model but saw that their car was comparable to the one that I was currently considering. The day after, I met with the salesman on the evening of XX/XX/2023, just before closing. I reiterated the same information that I had given him over the phone. The salesman knew I only wanted to test drive the vehicle ; he asked for my keys as collateral and took a copy of my driver 's license. 

After test driving, the salesman became very pushy. I informed him that although the vehicle drove nicely, it was not what I was interested in. I was calm and professional throughout but felt tense the entire time. I believe that he intended to get me to buy a car that I was not even interested in. I felt trapped while they held my keys in their possession. I was unaware then, but every time the salesman would leave the conversation with me ( three to four times ), he was plotting with the finance manager. The salesman continued to ask me questions while I requested him to clarify because I am not an expert in automotive sales. The salesman left the table again and brought a man back with him ( I found out later he was the finance manager ).

The finance manager approached the table and aggressively continued to push me to buy the car. I explained that I was only interested in test driving and comparing numbers. He informed me they would have to check with the bank for accuracy. He started using jargon I didn't understand, so I asked him to clarify. When I asked him, " Is this a hard credit check? '' he did not answer with a yes or no answer. I asked him to continue to clarify. Both of them asked for my personal information. I sat there anxiously, wanting to leave, but they still had my keys. 

The next day, I discovered that XXXX XXXX had run my credit through three banks. When XXXX XXXX called me back, I asked the same finance manager again if this was a hard credit check because this was not what I asked for. He replied yes and said I agreed by saying, " All alright, Go ahead. '' I was enraged and felt misled. All I wanted was some quotes and figures to compare and contrast. Instead, the salesman and finance manager subjected me to unethical sales practices and horrendous customer service.
Product: Credit reporting or other personal consumer reports

I was completely taken aback to see inaccurate accounts on my credit report this morning, and I have no clue why they appeared. I always monitor my credit, and theres never been a problem before today. I refreshed my browser, thinking it was some sort of technical error, but the discrepancies stayed. Im very concerned and am asking that the documents Ive submitted be closely examined so I dont have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Product: Debt collection

XXXX to XXXX XXXX XXXX this morning asking for the email acct associated with the XXXX XXXX acct that the collections letter is regarding. XXXX XXXX told me I needed to file a fraud/dispute claim before they will begin to look into the issue. 

I spoke to XXXX XXXX before speaking to XXXX XXXX, XXXX XXXX collections told me to get the email acct attached to this dispute. Currently XXXX XXXX stated I had no balance outstanding with my email acct