23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX still has NOT addressed my concerns regardiing obtaining my CREDIT BUREAU consumer report on XXXX, XXXX without my permission, or without a permissible purpose by law, pursuant to Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

Instead, they keep referencing an old dispute from XX/XX/XXXX case number XXXX which is NOT the same issue at hand! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : CFO XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on April 13, 2024 without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Discover Financial Services. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Discover Financial Services for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting CAINE WEINER, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my XXXXecretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and CAINE WEINER to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XX/XX/XXXX. I attached proof that CAINE WEINER isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that CAINE WEINER pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain
Product: Debt collection

I owe XXXX XXXX a debt. I am aware of this debt. We made an agreement when I called telling them I was unemployed. I am now employed and willing to give them their money in full. Unfortunately, they have locked my account without notifying me. All of my money is locked away so I do not have access to the funds I need to pay them. Since I can't access my money to pay them my account stays locked. When I called to work on this XXXX told me they are a law firm and can do whatever they want. So I need to borrow almost XXXX dollars from someone and pay them. I explained I don't know anyone that would be willing to loan it to me he said tough luck. They also refuse to send me proof of my debt.
Product: Credit card or prepaid card

Around two months ago, I called the credit card team at my bank to request a merchant to be blocked from making further charges to my account. The bank agreed to block any further charges from said merchant and allegedly placed a block. 

Couple weeks later, I discover in my online statement that a large {$25000.00} USD charge was pending to post from the merchant that was supposed to be block. I dialed back and the banks told me to not get concerned since they could see that indeed the merchant was blocked and the charge will not post. 

Unfortunately, two days later I realize that the charge did indeed post into the account, despite of the block. 

I have now went through the bank dispute process and the bank has denied my request to credit the amount alleging that the charge was authorized at the merchant level earlier and that they could not honor the merchant block I requested and they " guaranteed '' they would process. 

Had I known that the blocking process would have not worked, I may have found alternate solutions like closing the account altogether to avoid any unauthorized charges from posting into my account. 

I have been a responsible client of the bank for over a decade, having spent and paid for over $ 1m in credit card charges over time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation USPS Tracking XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, Transunion and XXXX as soon as possible as this has been going on for too long.
Product: Credit reporting or other personal consumer reports

The reason for this is because I have been in contact with the FTC and have been told that my Identity has been compromised due to the XXXX  XXXX XXXX XXXX. Apparently there was a XXXX XXXX account opened in XXXX  using my information. According to XXXX own admission. My information was part of their data breach. I'm wanting to dispute this fraudulent XXXX XXXX account and remove it from my credit report. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been contact by phone several occasions XXXX at XXXX XXXX  XXXX, XXXX at XXXX XXXX  XXXX. I called back at XXXX XXXX  on XXXX. I tried to call back with my spouse on the on XXXX at XXXX XXXX  XXXX  the call immediately answered with no dial. I hung up the phone they called back twice at XXXX and XXXX XXXX  XXXX. They called back at XXXX XXXX  XXXX again and also at XXXX XXXX  XXXX. I received a voicemail from them on XXXX. They have also emailed me documentation of the debt collection. They have claimed that I have been sent documents in the mail. The individual on the phone knew my full SSN and a previous address I resided at and also my current address. They said that the financial institution tried to contact me but I have not yet received that information from the banking institution which is Wells Fargo. On the XXXX phone call when I called back to try and dispute this and move forward they offer to take 25 % off the owed amount to settle the debt. I told the agent over the phone that I did not feel comfortable giving my card info over the phone and I wanted to consult with my spouse first. The agent became very insistent on getting me to pay right there on the phone they even said they would stay off the line. The agent then threatened to send this to the XXXX and have it go to my credit report. They said that this case needed to be off their desk and they have already informed me and could proceed now to send this to a judge to issue a judgment and report to my credit bureau. They said that they were providing mediation. Both agents I spoke to on the phone the name of the first agent was XXXX the second one did not share his name. They both had an accent from XXXX. They also emailed me a document with the amount owed. I still have that email and I tried to verify the address that they provided which is a non-operating US office space and the phone line does not dial is specifically calls and the person picks up. I have both numbers that the agency tried to contact me. I have tried to print the email sent to me and it will not let me print it stating that it has been deleted so I took screenshots of it.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 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: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis ( LN ) did not inform XXXX of there findings in which resulted XXXX to report incorrect information. I am requesting to update XXXX of the updated information.
Product: Credit reporting or other personal consumer reports

We had a Presidentially Declared Disaster on XX/XX/year> in XXXX XXXX, WV which is FEMA Disaster # XXXX. My home sustained extensive flood, wind, water, and mold damages all VERIFIED by a FEMA INSPECTOR. My family was displaced living in hotels and with family and friends, paying out of pocket for everything. I filed a claim with my homeowners insurance and was denied because I do not have flood coverage ( we do not live in a flood zone ). We applied for SBA Disaster loans and was denied because our credit scores were a couple points away from SBA Guidelines ( SBA IS A JOKE ). We applied for and received very little help from FEMA, roughly {$7000.00}. We have losses well over {$100000.00} and I can not get any help from the Federal Government ( FEMA, SBA, DHHR ). My family of 4 have been living off the small amount of XXXX XXXX XXXX benefits we receive as my wife lost all her business equipment in the flood and unable to financially contribute. I applied and was approved for a Disaster Forbearance from XXXX XXXX  temporarily stopping payments. Mortgage Lenders are not supposed to negatively report to the credit bureaus while borrowers are going through disaster turmoil. XXXX XXXX is not following these guidelines. They are reporting to the credit bureaus 30 and 60 days lates for XXXX, XXXX, XXXX and XXXX. All these months they are reporting are disaster months. THUS, making it impossible for me to help myself and my family. I have applied to countless Mortgage Lenders for a Cashout Refinance, HELOCS, and home equity loans to get funds to repair my property and catch up our many bills. NO LENDER WILL LEND TO ME BECAUSE XXXX XXXX  IS WRONGFULLY NEGATIVELY REPORTING LATE PAYMENTS. ITS IMPOSSIBLE TO GET ANY MORTGAGE LOAN OR REFI IF YOU HAVE MORTGAGE LATES SHOWING ON YOUR CREDIT REPORT FOR THE PAST 12 months.
Product: Mortgage

I am trying to get my life back on track after my husband fell ill, lost XXXX jobs and was diagnosed with XXXX XXXX. In XX/XX/XXXX/XX/XX/XXXX we fell behind on our mortgage payments. We purchased the house in XX/XX/XXXX and had NEVER missed a payment. It took a few years to get a diagnosis, all without health insurance. Now he is on XXXX and we are divorced. I want to keep the house. I applied for a modification. The loan was with XXXX, the trial modification was approved, I made all payments on time, then XXXX sold the servicing rights to Nationstar, right before the loan was permanently modified. The original terms of the mortgage were 15 year fixed at 5.875 % from XX/XX/XXXX ( when we refinanced ). At that time my payment was about $ XXXX/month including principle, interest, insurance and taxes. The trial modification had me paying $ XXXX/month, which I am now able to afford. Nationstar just sent me the terms of the new, modified loan. The interest rate is 5.675 % and the duration was extended to 20 years. I understand these terms are more favorable to the bank, but I was shocked when I saw this. I looked up the current mortgage rates on yahoo finance. Today, the 30 year fixed is at 3.73 % and the 15 year fixed is at 2.83 %. I wonder how many banks today wrote a mortgage for 5.675 %? For 20 years? I 'm guessing not too many. I would like to know why I am being forced into these very unfavorable terms. I have to sign this new closing before XXXX XXXX. Nationstar appears to be taking advantage of a homeowner that is in a desperate situation and wants very much to keep their home that they have been living in for over 16 years. I called my point of contact, XXXX XXXX, at XXXX, I left a long message. He never called back. I am also hoping to modify my HELOC. If Nationstar forces these unfavorable terms on me, the chances of me refinancing my HELOC drop significantly. The HELOC is owned by XXXX. If they do not think I can afford both the primary and the HELOC they will not offer me a modification of the HELOC. They will proceed with the foreclosure ( summary judgement has already been filed by their counsel ). XXXX will foreclose on the house and then we all lose. This scenario is being played out over and over again, in my neighborhood, all over XXXX, all over the state of Florida and all across the country. Is this the greed of the big banks preventing desperate homeowners from keeping their homes? Or is it the fact that the big banks are giant companies that ca n't seem to get anything right-there is not one person that can take responsibility for facilitating the fair and rational solution to problems like mine. There is not one person that can be held accountable. No one that truly has decision making authority has any contact with someone in my situation so it is perceived as though they really just do n't care what happens, as long as they get paid. I am asking for help to get Nationstar to reevaluate this unfair mortgage. Please look at todays mortgage rates and tell me if this makes sense. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by Covid 19 my husband lost his job and he has just recovered from XXXX XXXX  prior to that and the kids had to stay home and I have XXXX  children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of COVID-19 and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX XXXX XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And I have an credit card account with XXXX XXXX XXXX XXXXXXXX na its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the PO Box .
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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Today XX/XX/year>, I woke up to see XXXX had misreported my loan details causing my credit score to decrease significantly and my reported debt to increase by almost XXXX dollars. They had over reported my borrowing and reported 2 more loan amounts that sent my original debt of XXXX to nearly XXXX. When I called, I sat waiting on hold for awhile until I finally got an unhelpful representative. They basically told me there was nothing they could do but file a complaint, to which I did. They said they couldn't fix the credit score but that maybe in XXXX to XXXX business days that " maybe it would be fixed. '' They, in conjunction with the XXXX XXXX XXXX folks, have yet to process or be helpful with the PSLF forms for millions of Americans. This whole student loan debauchery is exhausting, ruining people 's lives, and holding us all back financially. I want something to be done about this and to not be suffering at the hands of incompetent businesses who don't care if I live or die...