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

My credit report shows that XXXX points were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX  by a manager/salesman through Comenity bank and XXXX and I was denied the financial loan for XXXX rings. I recently got mail from XXXX of the Finance companies ( Comenity Bank ) stating that I was denied for Fraudulent behavior on my XXXX score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX  XXXX Jewelry and Comenity bank and/or XXXX. Comenity bank report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, Comenity bank shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 At XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the Comenity bank. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The XXXX was the one that ran us for the loans, Comenity bank is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sereval inquiries on my credit that needs to be romved
Product: Mortgage

I am working with the Florida XXXX  Homeowners Assistance Fund and was awarded 18 months of mortgage assistance with Amerihome Mortgage company which began on XX/XX/2022. However, Florida XXXX Homeowners Assistance Fund ( HAF ) repeatedly states they sent the XXXX payment to my servicer on XX/XX/2022, but my servicer repeatedly states they have not received it. The way the process works is that HAF sends the servicer one lump sum check with payments to be applied to each individual customer 's account, not individual checks. It has been almost a month and still no payment has been applied to my account. It should not take a month to receive/apply a payment. I had to borrow the money and make this payment myself today to avoid getting a 30-day late notice on my credit report. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles approach to resolving disputes, especially in light of the recent CFPB lawsuit that brought attention to significant shortcomings with the platform. Despite using Zelle frequently and reporting discrepancies, both my bank and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not feasible, and tracking the transactions was deemed impossible. The CFPBs findings highlight that Zelle has not only failed to protect its users adequately but has also created an environment where repeat offenders can take advantage of the system, leaving consumers exposed to fraud. This lack of accountability and transparency is unacceptable and raises serious concerns about user safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXXXXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section XXXX of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year>. ) Since then the account has repeatedly been updated as charged off every month. This is factually inaccurate and misrepresents the true status of the account, violating FCRA 623 ( a ), which requires furnishers to provide accurate and complete information. A charge-off is a one-time event and can not legally be reported as a new event every month.This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1 ) I was never made aware by Transworld Systems Incorporated ( TSI ) that they own a debt associated with my social security number. 
2 ) I was also never made aware by Transworld Systems Incorporated ( TSI XXXX that I am able to dispute this debt. This debt is due to identity fraud. 
3 ) Transworld Systems Incorporated ( TSI ) does not operate during the operating hours they have state on their prerecorded phone message ( XXXX ) and website. Numerous times in six months I have called and left voice messages asking for someone to contact me and noone from TSI has bothered to. 
4 ) Five times in the last six months I have requested a fraud packet via written mail and phone message from Transworld Systems Incorporated ( TSI ) and have still not recieved a fraud packet. 
5 ) Transworld Systems Incorporated ( TSI ) may be a ghost compant that does not truely exist or blatantly violates laws pertaining to debt collectors, as evidenced above.
Product: Mortgage

Bank of America is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, Bank of America on line payment system did n't work so the payments were posted late. The irony is that I have my checking account with Bank of America, so they just simply needed to transfer the payments from my checking account to the mortgage account with themselves and they failed to do that. Now they refuse to fix the issue because the loan was transferred to XXXX and they do n't care to do anything neither the new servicer. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Product: Debt collection

i contacted them on XXXX XXXX and i haven't received anything from portfolio concerning this item : PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Alleged Original Creditor : XXXX XXXXXXXX XXXX  XXXX Alleged Original Creditor Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$600.00} Dear PORTFOLIO RECOVERY ASSOCIATES : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within thirty ( 30 ) days. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed credit card agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXXXXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. Debt Recovery Solutions has applied this account onto my credit report on XXXX and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
Product: Vehicle loan or lease

I opened a dispute with Honda Finance in which I have had an account with for over 5 years, no late or missed payments. They reported a recent missed payment but still took the payment received. They resolved that issue and have placed my account as current. Now that this is resolved I just received a message from XXXX that I have a new Honda Finance account opened with delinquency. This is innacurate and harmful information. Now that I am closer to paying the loan off, Honda Finance has been harrassing me.
Product: Credit card or prepaid card

On XXXX I researched XXXX XXXX XXXX XXXX and found a website that looked legit and order the product for {$140.00} thru XXXX and Barclays credit card. I had not received the earbuds pro by XX/XX/XXXX so I then contacted XXXX and attempted to contact the seller then finding out this company was a fraud and can no longer find them on the internet and no responses to me emails. I then filed a dispute with pal, that trans ID is XXXX. I waited until XX/XX/XXXX and did not receive any response from XXXX. I then filed a complaint with the credit card listed on the XXXX account Barclays MasterCard. The earns finally arrived XX/XX/XXXX, but didnt work as this is a XXXX company fraudulently advertising XXXX products and the the earbuds are NOT XXXX. There was not a return address for XXXX or I would gladly return. My credit card company will not assist me with this and I feel I should be refunded as this was not what I purchased. I have great credit and have used both of these companies for many years. During this Pandemic I am not willing to throw {$140.00} out the window for a defective product that I cant even return! Thank you for your assistance in this matter. I am just standing up for what is right. The people of this country have been screwed over by big businesses long enough!
Product: Debt collection

PDM ( Professional Debt Mediation ) send me letter XXXX XXXX, XXXX that my account with XXXX XXXX has been referred to them for collection and I need to send them {$78.00}. The bill from XXXX XXXX ( another name XXXX XXXX was {$31.00} and was paid upon receipt by check # XXXX XXXX/XXXX/XXXX and cashed by company XXXX/XXXX/XXXX. there was a typo with year on check, but company was able to cash it. XXXX was informed ( copy of the check both sides and bank statement was provided by fax, mail and registered mail as well as PDM. Last time PDM was informed I have an attorney to present me and requested not contact me but they still sending me letter, last one XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 

Convergent Account : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 of 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 XXXX 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, credit repair services, or other personal consumer reports

I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. XXXX XXXX claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to XXXX XXXX and Guaranteed Rate that I did not authorize any loans with Guaranteed rate. Then I was informed it would be removed, and it has not. XXXX XXXX and Guaranteed Rate is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. XXXX XXXX  and Guaranteed Rate also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer, am submitting this complaint against Experian and there is no third party involved. Experian has my personal information incorrect and inaccurate on my consumer report. My name is XXXX XXXX XXXX. I do not have any other names or alises, and I do not wish to disclose any other names. I have provided the required documentation to show my given name and Experian refuses to delete any other name that appears on my report. My current address is XXXX XXXX XXXX XXXX XXXX, IL. XXXX. I currently have no other addresses and do not wish to disclose any other addresses. Therefore if any other addresses are being reported, i demand that you delete them from my consumer report. all the phone numbers listed are inaccurate and i do not wish to provide any telephone numbers. The name on my social security card and driver 's license is how my name should be spelled as well as my address. I demand Experian correct the inaccurate information listed above within 3 business days. Exprerian is liable for damages of {$1000.00} per violation for civil liability for willful noncompliance which experian has failed to comply. This also includes my actual damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information pertaining to my complaint I submitted to TransUnion. I sent a complaint on XX/XX/2022. On XX/XX/2022, they responded. They did not give me the proper response once again because they said they need more time to investigate, up to 60 days. I already told them that this is a violation of the FCRA. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), they have 30 days to response. TransUnion is willfully being non-compliant with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with Santander over 4 years and never made a late payment. I spoke with agent on XX/XX/XXXX and notified them that I had been laid off job and was wanting to make payment the following week on XX/XX/XXXX to prevent from being late and was told that it would be fine and not reported to credit bureaus. I made payment as promised four days early on XX/XX/XXXX but a delinquency of 30 days is showing with XXXX. Neither XXXX  nor XXXX show a delinquency or late payments on my credit report. I have asked Santander to correct issue because I am in needing to buy a house within next 6 months but have failed to do so.
Product: Debt collection

I spoke to XXXX  with CBE group on the phone. They said that I owed {$420.00} for a hospital bill. We settled for {$360.00}. I asked XXXX  to send the settlement information to me via mail or email so that I have proof. She said that shes not allowed to do that. She said I must pay first, then I will recieve a letter in the mail that my account has been closed. I said that I dont trust her because I could give her the {$360.00} payment and then they can turn around and say that I still owe. I told her that I cant take her word
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Transunion Credit Reporting Agency about this line item. It's inaccurate and continue to show. The item is XXXX XXXX and reported XX/XX/2018, we have not had their services since we bought our new home 21/2 years ago. We are XXXX XXXX customers.
Product: Debt collection

ALERT ... ALERT ... ALERT... : THIS IS NOT A DUPLICATE COMPLAINT! 

I. " Someone '' marked all duplicate and original complaints as being closed and resolved. 
a.Neither is true. This is a tactic I am familiar with, in the case of my experience with nortoriously criminal banks. The complaint is marked duplicate, closed and never addressed.

II. Wells Fargo is trying to contact me by phone, then filed a form-letter type response, publishing a long-long credit-card user agreement. 
a. I just got a letter stating they would contact me within 10 days of my Complaint, dated XX/XX/22 ; this was not filed at the portal, according to mandate. 
III. I need them to follow procedure and respond through the CFPB portal only -- NOT by phone. 
a. Banks exploit interstate phone recording laws ; I do not want to have any telephony with bank reps. 
IV. This entity points out that I filed for XXXX XXXXXXXX Bankruptcy protection a number of times ; however, these cases were dismissed. 
a. If I had gone through with them, ALL my credit card debt would have been wiped out. Instead, Wells Fargo decided to pretend to be magnanimous and forgive the credit card debt. 
b. When it was impossible for me to rescue my family home of almost 40 years from an illegal foreclosure action, I moved to filed Bankruptcy. With the stress of the impending home invasion and my XXXX, I was unable to file in a timely manner : hence, the number of filings. At the 11th hour I realized, bankruptcy was not an option financially. 
c. Well Fargo Bank, then went back on their promise to forgive my credit card debt. Again, they breached a contract; sold my debt to an anonymous entity and claimed a loss on their taxes. 
V. Since this bank feels it does not have to obey banking regulations, I will contact the IRS to report this breach of IRS Law. With Wells Fargo Banks unscrupulous history of credit card fraud, I am sure the government would welcome an expansive tax audit
Product: Debt collection

I never received proof of any debt and an opportunity to dispute it. I have contacted Hunter Warfield directly and they confirmed they had the wrong mailing address and that I did not receive any documentation.
Product: Checking or savings account

My checking account with navy federal credit union showed in the positive, and I made a purchase. They explain to me that an amount that was taken from my account from an overdraft that wasnt posted yet caused me to view it as positive but it was in the negative but not posted. She stated that its my responsibility to keep up with my transactions and account balance, and I explain to her if I look in my account and it says that its in the positive how am I supposed to kno anything different. She had no answer for me, and this has happen numerous amount of time in the XXXX yrs I have been with navy federal.