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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan online and received three pre-approval offers from One Main Financial XXXX. I selected one of the pre-approval offers for a unsecured personal loan that had the terms clearly stated on the website. A representative from One Main Financial XXXX contacted me by telephone to go over the details and asked me several questions about my income and expenses which all the information I gave the representative was exactly what I had submitted online. The representative then tells me they would not be able to help me and I was it approved for the loan. The reasoning 4 not being approved part the employee was due to my living expenses and debt to income ratio. The online loan application process and follow up with Company employee not only displays false advertisement and misleading information but very poor business practices. After receiving the disapproval I contacted the employee again to let her know there had been a mistake with the figures I had given her for my living expenses by several hundred dollars. After recalculating the figures the employee provided another excuse of how they would not be able to help me with the loan and that I was still would not be approved due to their company policy. I asked the employee where I could find the information regarding what is required of the applicants to be qualified for the loan and or company policies that she referred to and I was told that information was not for me to know. Due to the treatment I received from the employee of OneMain Financial I feel I have not been afforded the same opportunities and fair treatment as other applicants would have been afforded, therefore due to being an individual on a very low fixed income due to XXXX XXXX have become a victim of lender discrimination.
Product: Debt collection

I received a call from XXXX indicating that he was from an investigation dept for company PRG needing me to call them within XXXX hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called XXXX directly and they told me that they sold my debit to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax reported a data breach that exposed customers ' most sensitive identity and personal financial information. Theft and misuse of this information exposes me to the grave potential now and in the future for stolen identity and financial issues, through no fault of my own actions and in direct consequence of Equifax 's failure in its duties to protect this information. 


Upon learning of this breach, I immediately went to Equifax 's " Security 2017 '' website to see if my data was compromised, as per their guidance, and received a future enrollment date for their identity theft program, indicating my personal data was indeed compromised. The security of this website, by the way, does not ensure confidence that Equifax is attempting to better protect information any more than they did in the first place. 


I have currently placed fraud alerts with all three credit bureaus, placed a XXXX freeze, continue my regular practice of daily monitor checks of my bank and credit accounts, and am considering placing credit freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : 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 Opened XXXX XXXX, XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
Product: Credit reporting

With this reporting agency the Tax Lien has expired according to trans union this case will not be resolved due to the fact of their policies, but why other agencies like XXXX and XXXX had removed the tax lien report from their list, all XXXX agencies operate under the same policies and compliance and also the merchants whom consult with tax lien removal will constantly send me mail which is very annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/XXXX  XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right?

I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Thanks.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
Account name XXXX XXXX Account # XXXX. 

XXXX XXXXXXXX XXXX XXXX  Account # XXXX. 

XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

the U.S.C 1681 604 a section 2 : it also states a Comsumer reporting agent can not found a account without my written instructions.

15 U.S.C 1681 section 2 : it also states a Comsumer reporting agency can not furnish a account without my written instructions.

15 U.S.C.1681section state no consumer reporting agency may make any of the following item of information any other advice item of information, any other advance item of information, other records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Attempt to Opt-Out of company Corelogic/Credco database due to being a victim of Identity Theft to the following data breaches below ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, have compromised all of my data being shared from Corelogics/Credco, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  According to 12 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. medical records, late payments, charge-offs, collections, repossessions, debt collecting agencies, credit bureaus, name, address, phone, and hard/soft inquiries.
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 experian is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score had been increasing over the year XXXX as I paid off credit cards and my line of equity. I worked very hard and at the XXXX all my credit cards were clear AND by XX/XX/XXXX I had paid off a line of equity. It was no small thing because I paid more than what was due. 
My score from the beginning of XXXX was XXXX, which is in the excellent range. I checked every month and would see it go up a XXXX or XXXX. 
I paid off my equity line in XXXX In XXXX, I saw that my credit score dropped from XXXX to XXXX, and then a month later to XXXX. I tried like mad to get in touch with XXXX, to no avail. 
The " information '' that was on my credit report was vague, it did NOT address why my score dropped. It would speak in generalities of why a score might drop, such as missing a payment which I ASSURE YOU WAS NOT THE CASE. i have been guarding my credit like mad these days as I hope to be able to buy a desperately needed newer car. 
In XXXX I went nuts trying to get any info from XXXX, as their writing was so general and none of the negative things they said applied to me. there was no hits on my credit report, I did not add to my debt in fact, it said i had a lot of credit and low use. I NEVER got any response from XXXX, not by email, not in writing, not by phone. I asked they please call me but these folks are living in the XXXX XXXX 
I inquired at my credit union about my score dropping and they wrote specifically how that would impact my loan should I apply. I would NOT get the best rate but the second best one. In this time of rising interest rates that can be a big difference in payments and paying back a car. Please will CFPB look at the two documents I hope I'll be able to upload which explains what they say about how the score change will impact me. I paid off my equity loan in XXXX, but the bank there increased my limit. I DID NOT ASK FOR THAT AND IN FACT DO NOT LET ANYONE LOOK AT MY CREDIT REPORT. BUT YOU CAN'T CONTROL THESE " SOFT '' REVIEWS AND IN FACT, THREE TIMES BEFORE MY CREDIT SCORE DROPPED IT WAS XXXX WHO LOOKED AT MY REPORT THREE THREE THREE TIMES IN ONE MONTH. WHAT IS THAT ALL ABOUT? I THINK THERE IS SHENANIGANS WITH XXXX, AND I BEG YOU PLEASE DO SOMETHING, DON'T JUST SAY OH WE'LL SEND THEM A COPY. THIS COMPANY IS BAD NEWS AND THEY DON'T PLAY BY THE RULES THEY JUST DO AS THEY PLEASE.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect billing data with late payments that misrepresent my payment history. Please resolve these errors and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this with the credit bureau but had no resolutions. I realized XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge. This is a scam & I demand this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to XXXX XXXXnd TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Debt collection

I contacted XXXX XXXX on XX/XX/2020 was offered a settlement and paid {$140.00} to settle the Debt. I was advised I would receive a letter for the debt and it would be reported to the credit reporting agency. Neither has taken place, I spoke with Supervisor XXXX XXXX in XXXX and was again advised this would be taken care of I pulled my credit Report today and it is still being reported as though they were never paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask to the company please send to me a copy of the original application with my signature if application no longer available please remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws. 

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.
Product: Credit reporting or other personal consumer reports

Between XXXX was in regular contact regarding the inability to pay on my loan through the website. 

Last email we sent in XXXX explained again we were laid off and our home went into foreclosure for the third time. 

Never received a response. 

Next time went to review the status, it stated in plain terms PAID IN FULL. 

No further communications, letters email have been received. 

11 years later, XX/XX/XXXX after massive data dump of erroneous information on XXXX and Experian, showed numberous balances owed for this loan. 

Now the credit bureaus are showing TRANSFERRED which is VERY different from 11 years ago, XXXX. The website/account was altered without our knowledge or any communications. 

There have been many complaints placed through the CFPB as I've about this happening. 

Now XXXX is reporting as owed for this loan that is now showing TRANSFERRED not PAID IN FULL as it showed in XXXX. 

Someone altered the account and changed it from PAID IN FULL to transfered which is fraud.
Product: Money transfer, virtual currency, or money service

I am writing 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 that tracking these transactions were unfeasible. The CFPBs 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I kept getting overdrafts for no reason, so I would have to transfer money to my checking account from a XXXX or XXXX. I didnt want the account to get another overdraft fee of {$35.00} extra if I didnt have money in my account on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/2023, I contacted Wisely powered ADP in regards to transactions being attempted by someone unknown and unauthorized. They cancelled the card and sent a new one not informing me it would take 7-10 business days. They never gave me any option to expedite either. After have the card cancelled I informed them that the address, email, and phone number on file needed to be updated as I no longer have access or reside at the residence. They had me go through a verification process which I still have the verification code for and told me it would take 1-2 business days. XX/XX/XXXX came and after calling 3-4 times and being hung up on when they couldnt produce an answer I finally got someone consistent and patient enough to help however they were highly confused. They first told me there was no verification submitted after going back and forth, I gave them the verification number I got XX/XX/XXXX as proof I did do it and they told me to wait until Tuesday XX/XX/XXXX to update that. When I inquired about a delivery date for the card they told me it wouldnt get to me until XX/XX/XXXX which is too long to go without my access to my account. Again 3-4 times an employee hung up on me until I got a consistent and somewhat knowledgeable employee and they told me I could overnight a card overnighted and they told me the {$35.00} cost however they refused to let me pay the fee with a different card and since I had no card I had to wait on a bank transfer. On Wednesday XX/XX/XXXX, I called again and set up to have my card overnighted to me. XX/XX/XXXX I was provided a tracking number that told me my package would arrive that day. The mailing address on my file is too my job since thats who I got the card from, but as the ups driver arrived he said he did not have it. After being in contact with both ups and the bank it wasnt until XXXX that I was told the card was lost to which I called the bank and demanded a new one be overnighted to me. They told me to wait the next day to see if the card was found. XX/XX/XXXX, the card was not found and I called the bank again and again after being hung up on multiple times I finally reached someone who made it extremely complicated to work with as she struggled to give my answers and would give false information until I could prove otherwise. When I asked about the refund for the first card I had overnighted they refused, they also locked my account so that I cant even use the account/routing number to pay my bills, and in addition theyre arguing with me about the verification process I did XX/XX/XXXX despite me having the verification code as proof and despite it being noted that I called on XX/XX/XXXX for update. I am now a week without access to my card and am in fear I will go through this entire process again when my card is supposed to be received tomorrow or Monday. They provide little to no help over the phone and continue to hang up on you when a question requires too much work.
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on XXXX XXXX, XX/XX/XXXX XXXX Experian and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting  XXXX   XXXX  as a duplicate account already paid and closed.