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

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXX, trucking company where they explain to me that my personal information was compromised on their system and they will pay a year free for experian that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Product: Debt collection

On XX/XX/2019 i reserved my right to dispute two medical debts that were on my credit report that i believed to be inaccurate and not valid. I sent SCA collections a debt validation letter asking them to send proof that these alleged debts they are reporting are indeed accurate and belong to me. On received a letter from SCA collections dated XX/XX/2019 they responded by sending me a questionable itemized statement disclosing treatments and procedures which can be clearly seen in the letter i have uploaded as proof of this claim. The disclosure of such information is a clear HIPPA violation and a violation of my privacy. I consider this a very serious matter. SCA Collections failed to send proper debt validation as well as a signed HIPPA release giving them the right to possess such information. This violation of my privacy is a matter that I will take legal action on if SCA Collections does not immediately remove these invalid accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my Equifax, XXXX and XXXX reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address and name are incorrect. 

I have no knowledge of the inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX SELF-REPORTED Account Number : XXXX XXXX SELF-REPORTED Account Number : XXXX XXXX XXXX  Account Number : 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, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XX/XX/XXXX I graduated from from XXXX XXXX College in XXXX, XXXX not knowing their accreditation was in jeopardy and the school overcharged my loans for payment. I then was contacted by a lawyer because other students was suing XXXX XXXX for being overcharged, accreditation issues, and everyone was having problems with gaining employment when they promised to give students assistance with job counselor for employment but never gained employment! Then the school got closed down immediately after I graduated. I was supposed to receive loan forgiveness because the school got closed down and they got sued from XXXX Attorney General. Navient denied me forgiveness & demanded I payed even though I still was in hardship due to employment. I ended up in default and my credit was destroyed and eventually I got garnishment when I did start working. The situation caused me to be lose my house and car! I was then XXXX with my XXXX kids! Im just now getting out of default and school loan amount went from XXXX to XXXX. I've been trying contact XXXX  Attorney General about the lawsuit because this situation ruined my life and hopes and dreams. The Attorney supposedly sued on behalf of students that from this school and won the lawsuit. Since the lawsuit back in XXXX I have relocated to live with my mother in XXXX with my kids! I've been trying to get help with my situation because the school got closed and was sued!
Product: Credit reporting or other personal consumer reports

I am REWRITING to TRANSUNION to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/1976. The FTC report numbers related to this complaint are XXXX, XXXX, and XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting

I mailed Equifax and never received a response. My credit report shows unknown for a collection. This violates FCRA
Product: Debt collection

I am trying to purchase a home and my lender saw a derogatory mark on my credit report. It was from AWA collections from a past debt from XXXX XXXX XXXX. I signed up with them a year ago and they were going to charge me {$60.00} a month for insurance. After the first month it went up to {$120.00}. That was not what I signed up for so I canceled. Apparently they never canceled it and the debt went to collections. I have never received a letter or a call from AWA knowing that I was going to get a derogatory mark or that I was even in collections. I called a AWA today and they told me they could get it removed if I pay but because Im an escrow for a home I need a letter saying that this debt was an error and shouldnt have occurred in the first place. This is costing my family and I a lot of money and heartache. All I have to show is my policy and membership number. XXXX will not send me proof of cancellation and AWA will not send me proof of any bills or communications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had marked my loan payment as late. There policy is you can be 30 days late until ur marked as a late payment and it affects your credit. My payment was due XX/XX/year>. I paid a few days before the XX/XX/year>. I called to make the payment. The lady on the phone told me to pay online and was certain it would not affect my credit. So I paid online, she did not tell me it would take three days for payment to post. Since I was told to pay online, the payment didnt initially post until a few days later which was XXXX affected my credit. I was given the wrong information. I need this late payment fixed. Thanks..
Product: Money transfer, virtual currency, or money service

Helllo, I am 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 was 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in XXXX, AL ran my credit through a multiple of banks, including some of the same banks within a day to a week of each other. I did not authorize, give consent or permission for my credit to be used, pulled, or obtained in any shape or form. It was ran and hard inquires placed on my account in a fashion again that I had no knowledge of, or that they would send my information out to a multiple of companies. 

Companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed there was a debt I didn't recognize, from a creditor I didn't recognize on my credit report. I recently sent a certified, and notarized, verification of debt request to XXXX XXXX XXXX. They responded to what amounted to be a typed out statement from another creditor, with an original creditor I know nothing about dating back over XXXX years ago. This is fraud in my estimate, because anyone can type a letter, and they have nothing certifying the debt is mine, no signature, no contract entering into the debt. This is fraud! 

Outside of that, I'm a XXXX  resident, and XXXX  has a XXXX year statute of limitations on this type of debt. This is outside of the fact, that it isn't mine. I am submitting this complaint that will be a part of our lawsuit against this company, and it's insurance company for willful fraud. They continue to report it on my credit report, even though they have nothing certifying that it belongs to me. 

There's also a statement in the letter that states " Although your itemized balance might be {$0.00} your total balance has been forwarded to our office and is listed below ''. If the itemized balance is XXXX, the balance is XXXX. You don't get to just make up numbers. These guys are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have XXXX accounts and that to be a FICO High Achiever I need an average of XXXX accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His FICO score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time
Product: Credit reporting or other personal consumer reports

XXXX XXXX Request written signed proof of this being my account. What I received was a letter statement in which discover ses they no longer have a copy of the application provided. 
They basically state they have no proof of this being my account. But it is. This is unacceptable.
Product: Mortgage

In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXX XXXX. At the time the loan was taken out, XXXX XXXX XXXX  filed a XXXX against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXX XXXX changed its name to XXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to Concord on XX/XX/XXXX. They advised me to contact Concord to resolve my issue as it was sold to them. 

I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. 

In addition, there was NO recorded assignment of this debt to Concord. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need Concord to release the lien on my property as it is interfering with my ability to sell my property.
Product: Credit reporting or other personal consumer reports

My legal name is XXXX XXXX XXXX. XXXX XXXX XXXX is not a name I have used. 
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: Money transfer, virtual currency, or money service

For a living, I provide XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, I received payment for XXXX of these trips ( {$5400.00} ) through PayPal. When I logged on and tried to withdraw the funds to my bank account, PayPal decided to permanently limit my account due to activity in my account thats inconsistent with their User Agreement. I was never explained the reason to their decision. When they permanently limit an account, all money in your balance is held for 180 days. They give you no other solution other than wait. 

If this hold isnt released, I will not be able to provide the trip my guest paid for. My guest wont understand that this is PayPals fault, not mine. Consequently, a bad review from this guest can destroy what I do for a living, which would destroy every other aspect of my life. 

PayPal can locate my account using my email address - XXXX XXXX
Product: Mortgage

My PMI was not automatically canceled from my mortgage, despite being up to date on all payments and at 68 % of the principal balance. I called Dovenmuehle have it removed and it was done promptly. However, I then asked to have the premiums returned to me as the PMI should have been automatically canceled at 78 % and was not. I sent an email to the company, Dovenmuehle, who responded by saying that they were only responsible for removing the PMI once I requested it and not before and thus owed me no premiums. No mention was made of the fact that they were required to automatically cancel at 78 % and had not done so.
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 righst to privacy and confedentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U.S. Bankruptcy Court XXXX XXXX 15 U>S>C> 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency account furnish an account without my written instructions.

15 U.S.C. 1681c. 9 ( 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 antidates the report by more than seven years.

15 U.S.C. 1681 S-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 card or prepaid card

A credit card that I don't recognize was opened up under my name. I only have XXXX XXXXXXXX and XXXX  credit cards, but XXXX XXXX and XXXX both say that I have a JPMCB card services ( which doesn't belong to me ). I have filed two disputes with XXXX, but both of them got rejected and they aren't doing anything to help.
Product: Credit reporting or other personal consumer reports

Experian has false addresses on my account. places that I have never lived at, and due to this, I have been a victim of identity theft since XXXX. I'm also in the data breach, please help because I don't know if mail is going to these addresses. 
Dispute of False Addresses on Credit Report Due to Identity Theft Dear CFPB, I am writing to formally dispute the inclusion of false addresses on my credit report maintained by Experian. These addresses are incorrect and are not associated with me. The false addresses in question are : * XXXX XXXX XXXX XXXX, AZ XXXX * XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX I have never resided at these addresses and believe their presence on my credit report is a result of identity theft. This issue has caused significant distress and inaccuracies in my credit profile. I suspect this matter may be related to the recent data breach, which has compromised the personal information of many individuals, including myself. 
I request your assistance in investigating this matter promptly and ensuring these incorrect addresses are removed from my credit report. Additionally, I urge you to take appropriate measures to protect my credit profile and prevent any further unauthorized activity. 
If these inaccuracies are not resolved, I will have no choice but to consider further legal action to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of these disputed addresses from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX I have disputed these inquires before and they have not removed them even after not being able to validate them.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3600.00} ; DEPT OF ED / XXXX XXXX XXXX XXXX XXXX$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help