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

My credit report is currently frozen on Equifax. I need to lift a freeze to apply for a mortgage, which is time sensitive. I requested a temporary lift of the freeze on XX/XX/2024, to end on XX/XX/2024 online via their website. I received a message that they were unable to lift my freeze and that I needed to call their customer service line. It was after hours and so I was not able to call. 

I tried again to unfreeze my credit online today, XX/XX/2024, and it still gave the same error message that they were unable to lift the freeze and I needed to call customer service. I called customer service around XXXX EST, and spoke to a representative. The representative attempted to lift the freeze while we were on the phone, and they were also unable to do so because of an error. They informed me that they could not remove the lift. When I asked why, they said they didn't have access to what the error was. They informed me that I would need to call back again and speak to a different department, but the department was closed for the day and so they couldn't lift the freeze today. I need this freeze lifted as soon as possible because I need to apply for a mortgage as soon as possible as we already have an accepted offer on a home.
Product: Debt collection

Missed call from collection agency for debt from someone who does not live in the property
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding zelle 's handling of disputes. Particularly in highlight to the recent CFPB lawsuit regarding significant issues with the platform. despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. I had been informed that recovering lost funds was impossible and tracking these transactions was unfeasible. CFPB 's findings indicate that zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users like myself venerable to scams. various scam transactions were made under my zelle account with the following dates and amounts being XX/XX/scrub>/2020 {$54.00} XX/XX/year>2020 {$100.00} XX/XX/year>2020 {$200.00} XX/XX/year>2020 {$300.00} XX/XX/scrub>/2020 {$75.00} XX/XX/year>2020 {$54.00} XXXX/XXXX/2020 {$20.00} XX/XX/year>2020 {$35.00} XX/XX/year>2020 {$300.00} XX/XX/year>2020 {$40.00} XX/XX/year>2020 {$90.00} XX/XX/year>2020 {$250.00} This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/2018 my discover card was charged XXXX.- Dollar by an entity that is unknown to me. ( The companies name is XXXX XXXX XXXX based in XXXX XXXX, CA - short XXXX, full address and contact info in attachment ) I contacted Discover and filed a fraud claim.Discover forwarded the alleged payment authorization form to me. I reviewed it and confirmed that I had never seen that authorization form, that the company requesting the charge was unknown to me and that the form was never signed by me either at it was a forged signature.

The company committing the fraud ( XXXX  ) had intercepted a legal service agreement that I had signed between myself and the law firm XXXX XXXX in XXXX XXXX, FL.

XXXX XXXX XXXX fraudulently used my information from that legal service agreement and filled out their own forged payment authorization form.

According to the Discover user agreement and Discovers own FAQ page I should be protected with 0 liability should fraud occur.Discovers FAQ defines fraud as : Beginning quote : " Credit card fraud happens several different ways, most commonly with your card information being compromised in a data breach or your physical card being stolen.Once your card information is used by unauthorized individual, it's considered fraud. " End quote That is exactly what happened to me. I never authorized that company to charge my card.

Yesterday the Discover Fraud Team ( XXXX  ) called me to let me know that my claim was denied and that my card would be charged the full amount since they consider this to be a " SCAM '' and not a fraud, therefore, I am not protected.

Their very own definition ( as stated above ) proves this to be wrong. This is fraud and I should be protected.

Calling it a scam and not fraud is a dishonest wordplay and I was not even afforded and explanation why they consider this a scam and not fraud.

I was only told this on the phone ... .I have not received any written statement explaining their position.

I have copies of all written communication.

My attachments are 1. The legal service agreement and authorization that I signed which authorizes the XXXX XXXX XXXX XXXX to charge my card 2. The fraudulent authorization form from XXXX XXXX XXXX that I have never seen, signed or authorized. ( as forwarded from Discover ) 3. The charge on my Discover credit card account
Product: Credit reporting or other personal consumer reports

I'm filing this complaint because there are several fraudulent hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) are appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of data breach, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result the data breach and identity theft resulting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is and only should show : XXXX XXXX XXXX XXXX, Oh XXXX. Please remove the following addresses from my report : XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX XXXX OH XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX 3 charges {$100.00} each were posted to my account.

I reported charges as unauthorized.

My claim was denied without any reasons stated.

When I request a charge, an e-mail is sent to me within minutes.

This time no e-mail messages were sent, this indicates an inside job.
Product: Credit reporting or other personal consumer reports

28 U.S. Code 1738B Full Faith and credit for child support orders- ( c ) Requirements of Child Support Orders- State on orders Louisiana ( NOT TEXAS ) 18 U.S. Code 1509 - Obstruction of court orders Title 42 Sec 1983 Tite 18 USC Sec 242 Deprivation of rights. Makes it a crime for a person acting under " color of any law '' to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States. 
I have no Texas Child Support Orders by a judge.
Product: Mortgage

I went thur a separation from my wife in XXXX of XXXX I work as a XXXX so I was layed off the summer when I returned to work I made payments but was behind and the payment I made XXXX/XXXX/XXXX was returned to me i hired a lawyer In XXXX submitted paper work they work with no gain til XXXX with no gain the XXXX closed their doors I started talking with my relationship manager # XXXX and seveal other managers as when to you call to speak with them he is busy ad you speak with someone else which is confusing as of my last appointment date XXXX XXXX everything was good then XXXX XXXX the sheriff put a notice on my door ocwen says there is no sale date and is sending e-mail conformation that no sale date is pending talk to forcloseure lawyer there is one cuz the want me to pay to bring account current so now I do n't have the money to do so and feel this system sand bagged me with lies scams ive file a complain before and that only made things worst so thanks for letting me vent cuz as far as I know XXXX XXXX is sheriffs saling my home on XXXX/XXXX/XXXX this was postponed 3 times already so im at a state of total confusion my job just is not good for them but payed 12 yrs of arm payments to them ocwen loan # XXXX XXXX XXXX XXXX division # XXXX XXXX thanks for not XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously. I have no knowledge of this account or company.
Product: Debt collection

the caller NEVER STATED FROM A COLLECTIONS AGENCY, NEVER STATED XXXX RIGHTS, THE CALLER THREATENED LAWSUITS AND SAID I WAS IN VIOLATION OS LAWS, THE CALLER TOLD ME I WOULD GET WAGES GARNISHED ( HOWEVER IN A STATE THAT DOES NOT ALLOW THAT ) I WAS TOLD I MUST PAY THIS OR ELSE ( DEBT IS MORE THEN 7 YRS OLD. AND PAST THE 4YR STATUS OF LIMITATIONS ), THE CALLER WAS XXXX, XXXX, THREATING LEGAL ACTIONS AND SAID THEY WILL TAKE ME TO COURT IF NEEDED AS WELL ( THERE A 3RD PARTY NOT THE ACTUAL DEBTOR ).
Product: Student loan

OnXX/XX/2019 I became aware that FedLoan Servicing ( MyFedLoan ) stopped auto drafting for two of my student loans without notification and without my consent. The bank account which these loans are auto drafting from has more than enough funds to supplement the auto-draft, so any none sufficient funds is not the issue. Additionally it seems MyFedLoan drafted my account on XX/XX/19, but did not actually apply it to the loan as it's still due for the same date and is building up interesting in the mean time. It's been over two weeks since my initial inquiry with MyFedLoan and they have not provided me with any additional details or response.
Product: Vehicle loan or lease

I was told I had a final payment on my loan. When I called Chase Auto on XX/XX/year> at XXXX and XXXXXXXX XXXX XXXXXXXX to find out the balance, Chase refused to give me that information. 

They also locked me out of my account and refuse to let me sign in and view this information on my own. 

They also lied regarding fees and at this stage will be reporting the finance institution federally and to other agencies. 

I should not be denied this information as its illegal!
Product: Credit reporting

PORTFOLIO RECOVERY ASSOCIATES XXXX XX/XX/2012 I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2021, I purchased a NEW Chrysler XXXX XXXX XXXX for my family. At the time, I took out a {$10000.00} loan from Chrysler Capital. I did so as part of the normal vehicle sales/purchase process. I took the loan knowing I would pay it off rapidly - as I took the loan solely to secure some purchase incentive that the Dealer suggested. 

I paid off the loan in XX/XX/2021 ( only 5 months later ). 

On XX/XX/2021, I received a written " Lien Satisfied '' letter from Chrysler Capital. 

Subsequently, I never received the title to the vehicle. I sent 3 written communications to the Chrysler Capital website portal. ALL of those went without meaningful or substantive response. I also called 3 times. The hold times are excessive and no one seems to care. 

The last two agents I spoke with had ID # XXXX and ID # XXXX. The first rep told me she saw the issue and would re-issue the title to me at my address of record. NOTHING was ever received. 

I forced to call again only to go through the same nonsense. No one seems to understand what is going on. 

I asked to have this escalated to Legal and nothing was done about that either. 

I am hostage to this situation as ONLY Chrysler can instruct the release of the lien and delivery of the vehicle title. 

I need someone in management to take ownership of this and get it resolved. It is simply ridiculous that something as basic and fundamental as this can not be resolved and executed properly.
Product: Debt collection

sent a cease and desist dispute letter on XX/XX/29 asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Product: Debt collection

I requested validation of the alleged debts and received my confidential medical information, without a signed release, which is a clear violation of my rights under HIPAA.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the XXXX major credit reporting agencies : XXXX, XXXX, and Experian. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ). 

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Product: Debt collection

Writing to formally dispute the debt associated with my account and request its removal from my credit report. The debt in question pertains to a balance of {$11000.00} originally owed to said, XXXX XXXX XXXX XXXX, as reported by your agency. I have received a few calls from PROCOLLECT I requested them to send proof of this debt to my address and they have failed to do so.
Product: Debt collection

I paid taxes for amount of balance difference for 2014 federal tax income. Issue should not be on my report any longer.
Product: Bank account or service

For XXXX years I 've been transferring funds from my credit union account to my checking account at Bank of America. Those transfers all cleared in XXXX hours or so - I never even saw a hold placed. Last month, however, my deposit was held by BofA, XXXX for XXXX days, then on the XXXX day extended to XXXX days. The credit union reported that the funds were delivered to BofA on the day after the deposit. After an hour on the phone with the " risk department '' at BofA, a supervisor giving her name as " XXXX XXXX '', released the hold, but refused to tell me why the bank had placed a hold on funds they had already collected. The same thing has happened this month - my check was deposited in a BofA ATM on XXXX, the credit union shows the check clearing on XXXX, but BofA, on XXXX, declared a hold on the deposit, which they say will be released on XXXX. Again, agents of the BofA refuse to say why my money is being held, a XXXX after they collected it from the credit union.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I was supposed to get my middle class refund loaded to the card. XXXX XXXX XXXX said they authorized the deposit in XX/XX/XXXX, card was issued but never received. Tried multiple times to speak with someone, but can not get through automated system. Auto recording said to call back XX/XX/XXXX to report stolen. I mailed a letter in mid XX/XX/XXXX to the address above asking that a new card be issued, I have yet to receive a reply. Today XX/XX/XXXX I called to report stolen and can not get through their auto recorder because it keeps saying I need a card number to speak with a live person. My address is correct and have received all other correspondence from the XXXX XXXX XXXX EXEPT the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Experian to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to TransUnion and to XXXX XXXX and XXXX  XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Credit card or prepaid card

I had went to my bank XXXX to apply for a loan and there was a capital one credit card with a balance of {$10000.00} on my report which is not mine. I attempted to contact capital one and they claimed that there was no account like that in my name and they would look into it I also filed a report with XXXX as well and both claimed that there was no account that they could see. But it is still showing up in my credit report. I am wanting this removed and I dont know how and I have been working on ways to get it figured out but not sure what else I can do so I thought I would try with you guys. I also received a letter from a bank XX/XX/ stating that there was a savings account opened in my name, which once again I never opened. I called bank and requested to open a fraud alert on it and it was closed. And they told me to contact the FTC which I am doing now and also call XXXX and XXXX XXXX which I am also going to do today XXXX would like to put an alert on my social security and my credit so this does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

I got a letter from American Coradius International LLC saying that I owe an account balance of {$400.00} from a XXXX, XXXX account. I have never held a XXXX, XXXX account and I have never owed money to them. I do not have any idea whose debt this is.