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

1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

XXXX. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  XXXX Date of inquiry : XX/XX/2021 Please delete it from my credit report. 

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX  Date of inquiry : XX/XX/2021 Please delete it from my credit report.
Product: Debt collection

Within the past couple of months, I have been getting phone calls from XXXX XXXX who apparently works for a XXXX XXXX XXXX XXXX. He leaves a recorded message : " This is XXXX XXXX with XXXX XXXX XXXX XXXX. I have a summons in hand for you. I am scheduled to go out to your home and place of employment within the next 24 to 48 hours.  Please make yourself available with two valid forms of ID. If you are served your summons at work, your supervisor or head of security will need to be available to sign off as a witness. Please be advised failure to sign for the summons may result in a missed court appearance. If you have any questions or concerns, you can contact the party that is filing against you at XXXX or you can press 1 after the tone to be connected directly. '' This loan that they are referencing is over ten years old. The vehicle was repossessed while I was incarcerated. 
They have no valid right to collect on this loan as it is dead. It has been charged off. This company is not the original creditor. I'm sorry they bought the loan for pennies on the dollar. I am not liable for it any longer. 
They have repeatedly called my house to harass me into paying this debt. 
They have contacted my friend via her wireless phone to say the exact same quoted words above. She pressed 1 and was connected. The person she spoke to told her that they were trying to collect on a debt I owed and that I would be sued and need to go to court to rectify the situation. 
I tried to call this company back. When a woman answered, I asked what company I was calling. She refused to tell me and told me to not call there again,. She then hung up the phone on me. I tried to call back several times and each time someone picked the phone up and immediately hung up on me again. 
I'm trying to call right now to get additional information on why they have been calling me. A XXXX answered and said the company was XXXX XXXX. When she confirmed my name, she placed me on hold. When she came back on the line, she told me that paperwork was already sent out. The last time they contacted me was XX/XX/2018 and this is when they said 24-48 hours a summons would be delivered. Nothing was delivered thus far. XXXX told me not to contact their office any longer because I asked them not to contact me or my friends. They contacted my friend XXXX XXXX AFTER I requested no more contact from them. I was just following up with that XX/XX/XXXX phone call. XXXX told me I was childish. I told her that her schtick was a scam. She told me she was going to file harassment charges. I told her to do what she needed to do as I would do the same since they have not ceased contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

I would like this inquiry deleted because I did not authorized this companies to run my credit this is fraudulent
Product: Money transfer, virtual currency, or money service

Id like to formally express my concerns regarding Zelle 's 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 accurately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle and has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Please advise on what to do next. This action took place XXXX unf
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because Experian has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.
Product: Debt collection

In XX/XX/XXXX we consented to the XXXX XXXX XXXX XXXX XXXX Direct Install program. A letter was finally emailed to us on XX/XX/XXXX notifying us that the first payment was due back on XX/XX/XXXX and to a company by the name of Concord Servicing Corporation. The letter did not have our correct mailing address. We mailed the XXXX letter with corrections and included a check for {$1100.00} ( six months of payment ) to Concord Servicing Corporation. We received a letter from Concord Servicing Corporation in XX/XX/XXXX for a second loan ( Smart Start Program ). We called the company and asked them what is the status of the first loan ( Direct Install ). Come to find out, XXXX still had not updated their records to the correct mailing address. To date, we called them several times, emailed them, and sent them a certified return letter. They have credited us back {$35.00} in late fees ; however, we found out today that when the first check was received, they applied the payment towards the late fee leaving a balance of {$170.00} ( {$20.00} in late fees ) They should had back dated the credit for the late fees ( {$35.00} ). To this date, Concord Servicing Corporation has never applied the {$170.00} and the Customer Service Representative does not know what happen to the {$170.00} and the company continues to charge us a late fee every month. We have made every monthly payment due by the required due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of human XXXX  and there are inaccurate information being reported on my credit report due to me being a victim if this horrible offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX ... {$320.00} XXXX XXXX XXXX XX/XX/XXXX .... {$410.00} XXXX XXXX XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX have reached out to the compaines and they still have not corrected the issue. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

My husband obtained a Best Buy credit card and I DID NOT apply for this card. Best Buy added my name to the card as an authorized user at some point. My husband 's failure to make payments has resulted in my credit being negatively impacted. Best Buy refuses to supply the original credit application to verify who signed up for this card. They continue to say that I am responsible for this debt.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then seven 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: Student loan

My name is XXXX XXXX and I co-signed my daughter 's - XXXX XXXX student loan with XXXX. The servicer is AES. The account is XXXX XXXX XXXX. The current balance is about {$24000.00}. After XXXX made perfect payments for 48 months, we requested from AES in XX/XX/2016 that I be removed as a co-signer. As of today, the payments have been automatic and on time for nearly 60 months. We have received conflicting information from AES Customer Reps, submitted the same documents four ( 4 ) times including those with return receipt requested, were lied to by AES that they did not receive the requests for co-signer release ( later saying that they did receive ), were told that decision is up to XXXX, when we called XXXX they say that decision is up to AES. Each Customer Service Rep has a different story about what was sent, what was received, and whose responsibility it is to provide me with a co-signer release. I have not been denied a release. I have been prevented by AES from being considered. The process is not transparent, the Customer Reps each say something different, promises are made which are not kept. At best I suspect AES of being badly managed. At worst, I suspect a fraudulent attempt to keep me from obtaining a co-signer release. Please look at this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : not mine : send information base on my late payment as described in then report b/c I was never late I have that right FCRA violations : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$12000.00} XXXX XXXX {$7500.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$7500.00} {$7500.00} address is not correct : XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Product: Mortgage

I was in Chapter  XXXX  when my loan was s old to Shellpoint.  At this time they tried to foreclose twice ( as I was in Chapter  XXXX  ).     Once I was out of Chapter  XXXX  I called for my loan amount and information and they refused to speak to me. My lawyer had to contact them and proceeded to tell me the amount, due date and where to send the payment to.     After 8 months I get a notice that I am behind in payments - when I checked my bank I noticed that they have n't cashed any checks. After numerous calls I find out that they increased my payment amount and I was never notified. Funny how then a week later all my checks were returned with letters stating they amount was not correct.     At this point I was {$5000.00} in default. I called and tried to work out a payment plan with no luck. I asked for a statement showing payment history and never received. I asked for exact amount and never received call back.     This has been going on for an additional 3 months so I am now way behind.     Also every 3 months they send a letter that I will owe them money for homeowner insurance - I send them copies of my policy then in 3 months another letter.
Product: Debt collection

XXXX XXXX XXXX  ( XXXX XX/XX/XXXX, {$760.00} chargeoff ), violated the Privacy Act of XXXX. Also, the chargeoff/ certificate of indebtedness is considered as income, income can't be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education/NEL NET is unlawfully reporting ( 12 ) late payments to my consumer report. The reporting of such impermissible and inaccurate information has caused severe damage to my character, my reputation, and my general mode of living and has negatively affected my ability to obtain credit for personal and household purposes. The Department of Education/NEL NETs inaccurate reporting has damaged my livelihood. 

15 USC 1681a 2 reads as follows : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The reporting of ( 12 ) late payments, which are clearly transactions or experiences solely between the Department of Education /NEL NET , the person making the report, and XXXX XXXX XXXX XXXX XXXX, the consumer, may not be included in any consumer report! Including ( 12 ) late payments and adding any reference to late payment history is in direct violation of 15 USC 1681a 2 and my consumer rights!

15 U.S. Code 1681s-2 reads as follows : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The Department of Education/NEL NET is hereby placed on notice that continued reporting of impermissible information to my consumer report is a breach of your duty to provide accurate information. As a furnisher of information to a consumer reporting agency, the Department of Education/NEL NET is prohibited from furnishing inaccurate information. The continued reporting of this inaccurate information is a clear violation of 15 USC 1681s-2. The Department of Education/NEL NET has caused me and my family severe harm due to its negligent and inaccurate reporting. Update my consumer report by removing this impermissible, inaccurate, and incorrect information. 

While it may be your policy to report late payments and other negative information, you are prohibited from attaching references to late payments to consumer reports!
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXXXXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. XXXX XXXX and Experian. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation. 

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.
Product: Mortgage

My home sustained massive damage during a hailstorm in XXXX. At the time, my mortgage was owned by XXXX XXXX. During the process of repair, the mortgage was sold to XXXX. During that time, a check for XXXX XXXX was held by XXXX XXXX and then went missing during the transfer. In the meantime, the XXXX was wanting paid and threatened a lien on the home. Valon would not speak to us because the mortgage was " in transfer ''. XXXX XXXX would not speak to us, becuase they washed their hands of it. In the meantime, I reported the XXXX dollars as missing/stolen to XXXX, who is my homeowners insurance. They started an investigation and were able to find that the money was sent to XXXX, and was being held. Now, in XX/XX/XXXX, the claim is not complete, and Valon is refusing to release the funds, demanding that I start the entire process over, as if this is a new claim. They are insisting on an inspection, a new estimate from the general XXXX, a repairs affadavit that needs to be notarized. Each time I call, they require more documentation and more paperwork. Meanwhile, 18 months later, I have boarded up windows, and Valon is holding XXXX dollars.
Product: Credit card or prepaid card

In a attempt to purchase  XXXX , I was instructed by Oracle corporation to Email money to :  XXXX  XXXX  XXXX . I sent {$56.00}. As it was a cash transaction  XXXX , said it could take no action.I will contact  XXXX   XXXX  next.     Oracle -Transaction  XXXX . No   XXXX   have been received and their is no response from that  Email address or so far from Oracle.    The money was sent through  XXXX  - Payment For  XXXX   XXXX  Transaction  XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and i am quite upset at the inaccuracies you are reporting in my credit record this items are deleted in other Bureaus. I need the following eronous accounts to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

I was Issued PayPal cash MasterCard with funds of {$230.00} deposited on XX/XX/XXXX. They gather all kinds of information, and l did link to my XXXX credit card for backup. I purchased petfood items on XX/XX/XXXX for {$160.00} and PayPal reverted to XXXX card (? why did they not take funds from PayPal ). Next few purchases were taken from PayPal balance and the final one was also for petfood with some of the bill charged to XXXX and some funds taken from PayPal. I calculate there is {$25.00} left on PayPal card but they report XXXX balance. I disputed and even appealed my case and of course they just respond - case found not in my favor. Then I accessed an online help rep who told me that I could view a " running log '' of PayPal card balance - nowhere is it found. I am contesting their egregious fees and their lack of transparency- my PayPal activity summary NOWHERE shows any " fees '' and my purchases from PayPal balance add up to {$200.00} NOT {$230.00}. I have received NO Explanation why XXXX card was used for the first purchase and what these XXXX credit card transactions cost me additionally. I can send you their activity summary and schedule of fees. Of course with Covid-19 you can not directly speak with anyone and their complaints menu online does not cover fees as an issue.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged.

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX XXXX XXXX XXXX - Account # : XXXX  Company Name : XXXX XXXX XXXX - Account # : XXXX  Company Name : XXXX XXXX XXXXXXXX XXXX - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
Late Close : XXXX XXXX-Balance {$130.00}