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

I have repeatedly for over a month asked for validation and verification about an item on my credit report. I have sent items via email, fax and online disputes and information over mail. I still have not received any type of confirmation. I want this item to be removed from credit report. I do not have a written signature to pay any amount of money to LVNV Funding. i did not physically sign anything stating i have to pay them any amount. A credit card bill from ANOTHER company is not sufficient evidence of verification or validation for a 3rd party company.
Product: Mortgage

I filed for an over XXXX homestead exemption last XXXX when I turned XXXX so I was expecting a decrease in the taxes and mortgage payment due to this. Mid XXXX I still did not receive an analysis. I have called everyday since then with a different excuse from that department. I received an email that stated my new payment, effect XX/XX/XXXX was XXXX yet the website to make the payment still states XXXX An over of XXXX was to be received from Chase by Last Friday still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

someone open a loan in my name do to fraud i never had a loan with quick credit there are several accounts in my name an none of them belongs to me XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a debt validation to Waypoint Resource Group which they received on XX/XX/XXXX. In response the collection agency provided a account number with a bill/account history. I filed a complaint through the CFPB on XX/XX/XXXX advising that collection agency did not provide the documentation that was asked for which was to validate the alleged debt in questioned. The collection agency responded to complaint advising that their records are correct and accurate. I am filing another complaint because I requested for validation of the debt not verification. Providing a bill/invoice/statement is not a form of validation of the alleged debt, it is a form of verification which is not what i requested.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing an issue concerning TransUnion 's inaccurate and potentially unlawful reporting of child support obligations furnished by the XXXX XXXX XXXX XXXX As a consumer, I believe this reporting violates my rights under federal and state law, including prima facie evidence of unfair reporting practices that could significantly impact my financial standing and creditworthiness. Despite my efforts to resolve this matter directly, TransUnion continues to reflect this information inaccurately on my credit report, failing to adhere to consumer protection standards established by the Fair Credit Reporting Act. I respectfully request your review and investigation of TransUnions reporting practices in relation to the XXXX XXXX XXXX XXXX, as it appears they are improperly disclosing personal financial information that does not meet statutory requirements. Please take the necessary actions to ensure compliance and to prevent further damage to my credit record.
Product: Vehicle loan or lease

I am currently faced with payments for a car, financed through Credit Acceptance, that is more for the car is worth, and more importantly, more than I can afford. I've asked this company several times to refinance for a lower payment while I was in good standing because I calculated what was going to happen BEFORE IT IS NOW HAPPENING, but I was denied every time. I am highly upset because due to COVID I was only working part-time, and therefore had a lower income. This Company claims it's phone calls are recorded, but have yet been able to speak to someone who has reviewed my complaints. 
Every time I ask for a refinance, my claims have been denied and now I'm faced with a bill that is extremely difficult to maintain for a car that is not worth the payment! 
My car was repossed XXXX XXXX, XXXX, and then repossed again XX/XX/XXXX. Both repossessions I was able to get my car back, but this car has created a hardship for me to maintain it because the interest rate continues to go up, whereas I am now paying double a month for the same car. I have asked several times for this car to be refinanced to get a lower payment, but each time I was denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXXXXXX. 
Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
Product: Credit card or prepaid card

I have a coupon and a Credit in XXXX and I have been trying to use it, but it is not available in my account on XXXX. I decided to call several times and waited a few times for an hour or more. I finally could get a call back from XXXX and the Representative said that they would give me a Refund, but 3 minutes later he refused to apply for the credit of {$370.00} USD. to my existing fly or book a new flight. I asked for a manager and he refused to transfer me, instead he hung up and never called back. XXXX is keeping my {$370.00} USD and has not paid me back or let me use the credit for a flight. I bought two flights with XXXX in which I could have used my credit, but they refused to make my credit and points to recently book two flights. I need the {$370.00} USD money to my credit card. As we all know if the credit expires, they are able to keep the clients money. I have a total of XXXX Qualifying Nights earned on your card : 6 night ( s ). It has been a few years since I tried to claim the XXXX nights and they did not grant it. 


Thank you
Product: Student loan

Mohela has an autopay feature that allows you to set an allocated amount to be repaid, but it is greyed out and I'm not allowed to use it. Mohela responded saying that I can't use this feature because my loans are not in repayment status. Why should that be any different though? I should be allowed to autopay my loans while in forbearance to get ahead of interest accrued. Intentionally disabling this feature based on status is a predatory tactic to capitalize on interest accrued during forbearance.
Product: Credit card or prepaid card

This bank is rude to me Lied to me Their lending dept I applied for a credit card and it was delayed and today I get a notice denying me Saying Im A risk what type of declination is this Its not even a credit reason why are they doing this to me I feel discriminated against they can not treat me like this and get away with it its wrong Completely and give me no recourse of action they arent the law they are regulated by you
Product: Credit card or prepaid card

other issue : I am due a refund on this TD bank CC. I looked in the XXXX checking account but the refund wasn't applied. I called them on 2 separate occasions to resolve this issue. The last time I called was about a week ago. They even sent a XXXX balance statement claiming the refund was applied
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B a creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I had a vehicle loan thru Wells Fargo. They accused me of not making payments and repossessed the vehicle. I got vehicle in XXXX XXXX I believe and u had it for 2 years
Product: Debt collection

Prior to this showing up on my credit report, I did not receive any notification of this debt from Spring Oaks Capital LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this account remove from my credit file because it is FRAUD!!!!! Several times I have disputed this account that is on my report fron Experian from XXXX XXXX XXXXfor {$2400.00}. I don't what else to do except get a lawyer and file suit against Experian.
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 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 users vulnerable to scams. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit card

I purchased a XXXX XXXX on XX/XX/year>. Also purchased insurance for loss, damage, or theft. Never received the truck. Company said it was delivered. When I looked into it the XXXX XXXX sent it to the wrong address. My address-but the town was different. There is a dispute as to whether it is my fault the address was input improperly or theirs. The address they claim to have delivered the truck to does not exist. My conclusion is either the driver kept it, it went back to the XXXX XXXX, or it was put at some random address. 
No picture of delivery was shown ( It was XXXX ) and the address just stated the town. 
I disputed the charge with the XXXX XXXXnothing was done. I then disputed the charge with my credit card company, and they found for the merchant, however, I did not get to include any details about the above facts. I feel that the credit card company did not do the investigation properly without these facts. 

In addition, the XXXX website was not working properly and it took several tries to even get the order in, in the first place.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from EXPERIAN XXXX XXXX  on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiryon my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX  XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Debt collection

In XX/XX/XXXX I received an email from my credit monitoring saying that an account was placed in collections. I had no info so I called the collection agency to find out what it was. It showed for an account from XXXX for {$320.00}. I already have a current account with XXXX. So I would have no need for another. I called XXXX and they keep giving me the runaround. Wouldn't give information stating that I need to supply info to them. I sent them a copy of my DL that shows my address. It's the same address that I've had for 5 years. I was also told by the collection agency that my maiden name was listed on the account which is a name that I haven't used in 20 years. This account was opened from what I understand in XXXX. My credit history shows the addresses and names that I've used. The address listed on the account is not an address that's ever been affiliated to me. XXXX and credit agencies refuse to thoroughly investigate. Was also told by a XXXX rep that there was no SS # provided to open this account. This tells me that this was an inside job by a XXXX employee, opening up fake accounts. My address history is attached.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo investigated a missing payment from their remediation program in the amount of {$5100.00}, an affidavit signed, their treasury management fraud claims team was unable to recover funds from cashing bank, XXXX. The claim was denied according to XXXX XXXX, claim rep for mediation. As explained in numerous prior CFPB complaints in re, the check in amount of {$5100.00} was sent to my old address after I moved, intercepted and cashed by another party.. The address was not verified before sending, an error on end of Wells Fargo. This was also explained in prior CFPB complaints, Wells Fargo reps refer to checks as cashed, even though fraudulently. Further, there is an unresolved issue pertaining to IRS reporting of payment, a 1099 form showing amount reported to IRS for tax year 2020. Wells Fargo refuses to correct reporting information and or reissue payment. To date, I have not received corrected 1099 form or check in amount of {$5100.00}. Their reply regarding this issue includes referring me to a tax professional, in which case, the professional advised Wells Fargo would need to correct the form or simply reissue payment.
Product: Checking or savings account

XXXX XXXX XXXX XXXX has given me multiple late fees thru XXXX transactions as well as money being available thru ach activity.. has charge hundreds of dollars. Month after month
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 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

In accordance with the Fair Credit Reporting Act XXXXt Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX Card XXXX account XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX IS REPORTING ON MY CREDIT XX/XX/2016 ACCOUNT NUMBER XXXX THIS COLLECTION IS NOT MINE. I WANT IT OFF ASAP
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I have made contact with an online breeder to purchase a dog for my birthday. I sent {$600.00} via Zelle from my XXXX XXXXXXXX account and unfortunately for me I was scammed and I did not receive my puppy. This particular website had me travel all the way to the southernmost point of Texas to a bogus address to pick up a nonexistent dog. I contacted and made a claim with XXXX  XXXX my Zelle was XXXX and my main bank which is XXXX XXXX completely XXXX my zelle usage as well yet they didnt have anything to do with the transaction. I have filed a complaint with the FBI and I am looking forward for some assistance in recouping my money. I do not understand why a bank can not trace the Zelle transaction to the account that it went to return the funds. We are provided with a confirmation number and a trace number so I dont understand why they do not want to do the extra work for their consumers to get their money back. I provided follow up email information pictures every possible thing to show proof that I was scammed. Now I cant imagine, elderly folks trying to help out their grandkids accidentally send money to the wrong individual and can not retrieve that money. Zelle and the banks are not helping consumers or protecting them, and I am greatly disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : In Concerning to XXXX XXXX XXXX and XXXX XXXX, inaccurate information. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has been reporting inaccurate information to my credit record for some time now, I first know about this account when it show up on my credit report. I then contacted XXXX XXXX XXXX and told the bank of the wrongfully report on my credit report. 

I've send several letters to the three credit companies, asking for this company to be deleted from my credit report. instead of being remove from my report, XXXX XXXX XXXX decided to SOLD THIS INFORMATION TO XXXX XXXX 

XXXX XXXX decided to report this information to all three credit companies which is very wrong. 

In addition, XXXX XXXX XXXX and XXXX XXXX both are now reporting this information to my credit record in which is very wrong. two companies should not be collection on the same account. 

Both TransUnion and XXXX  are now reporting XXXX XXXX XXXX as CHARGE OFF which is inaccurate. TransUnion now showing a credit limit as {$500.00} and XXXX is showing a {$0.00} balance to my credit report which is very inaccurate. 

XXXX XXXX are now reporting this information to TransUnion as XXXX XXXX XXXX XXXX XXXX, again which is very inaccurate. XXXX  and XXXX  are not reporting any information from XXXX XXXX. 

The entire reporting of this information is inaccurate completely. 



I am asking for this information to BE DELETTED from all three of my credit please. 

Thank you for your time and patient concern in concerning this mistaken reports. 
sincerely, XXXX XXXX