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

XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX  have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They following inquiries were not authorized and not recognized : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I was in bankruptcy in XXXX, due to XXXX XXXX trying to foreclose on my home. I tried making a loan payment to XXXX XXXX in XX/XX/XXXX and I was informed that they no longer serviced my loan and I should get a letter from the new servicer. A letter from XXXX XXXX was sent to my bankruptcy attorney informing me that servicing of loan was transferred to Carrington Mortgage as of XX/XX/XXXX, and that XXXX XXXX or XXXX would be the new creditor. My original loan Lender was XXXX XXXX XXXX with XXXX as the beneficiary. Since XX/XX/XXXX I have received numerous different letters from Carrington about transferring the servicing to themselves in many different ways, after many conversations through email with carrington about different topics of concern I had and asked for explanation on and they could not provide to me, I grew concerned if they actually even owned my Promissary Note. therefore I started to research through my County Recorders office on Deed of Trust filings and through MERS for assignments of my XXXX number and I found that the last entry I see in XXXX is with XXXX XXXX and my XXXX number is inactive. I believe that Carrington has been misrepresenting themselves as owner of my loan note when they actually do not. I have since requested that they stop communications with me and to provide me with a verification that I owe them a debt, by providing me with a copy of the contract or any documents showing valid purchase of my note. I just received a letter from XXXX Legal on XX/XX/XXXX NOT carrington stating that I am in foreclosure through carrington and to contact them in regards to the letter received. I am concerned that they are trying to sell my property illegally through an auction or something similar when they have no grounds to do so. I need someone to help me with all this misleading information.
Product: Credit reporting or other personal consumer reports

I have noticed hard inquiries dated for auto loans and credit cards that I have applied for and were denied. As a result, these inquiries are inaccurately impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I can dispute any inaccurate or unauthorized information on my credit report. Please investigate this matter and provide documentation proving that I authorized these inquiries. If no such proof exists, I ask that these hard inquiries be removed from my credit file promptly.
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

BBVA took over my simple.com account and now I am locked out cant login and access my funds. Their telephone support lines left me on hold for hours and hung up on me without a single interaction with a human
Product: Payday loan, title loan, personal loan, or advance loan

Essentially, a potential fraudulent third party seller by the company name XXXX XXXX XXXX on XXXX refuses to respond to me when my package was never delivered. XXXX will not do anything about it I have tried and I have proof of the package never delivering which has been sent to Affirm XXXX times now. My dispute constantly gets denied regardless of the evidence I provide no matter how irrefutable. I am currently trying a XXXX time after going to my local police department and getting a police report done for further evidence. Ive also been told by affirm to wait XXXX days and I wait the days and get no response. Its like they are too lazy to actually look into it. ANYONE can find out that the package was never delivered to me by calling XXXX, requesting a representative, and telling them my tracking number and address. After you tell them this, they will say that was never the address the package was supposed to deliver too. Additionally, SOMEONE ELSE signed for the package. I have proof of this, being its through the tracking number on XXXX. I also cameras of my residence in which nothing was ever delivered to me or my neighbors. Affirm saying that the items were delivered is based solely off XXXX online system and they are doing no extra digging into the actual shipping company. I have way more proof than what I have attached of my order never arriving but I can not send videos or screen recordings to you all at CFPB. Ive also report the XXXX XXXX business to the XXXX of New York through consumer affairs and consumer affairs in Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started receiving alerts from Experian and XXXX that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, XXXX, Experian has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages. 

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Checking or savings account

SoFi will not honor my disputes for unauthorized charges on My debit card. The charges are from a company in XXXX. I have never been there and still, I am waiting for them to resolve this issue. SoFi ignores my requests for updates.

A customer service associate told me to contact the company where the fraudulent charges were made. I looked up the company-XXXX  and it's located in XXXX. I made some phone calls and unbeknownst to me I was charged for international calls. I have never used international calling so I did not know that it costs so much. XXXX should pay me for doing their investigating for them. Why is this such a hard ask for them? It is so obvious that the charges are fraudulent because the company is in XXXX. They should never have authorized these charges in the first place!!! Any other bank would have known that they were fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against ZuntaFi Corp for furnishing inaccurate and misleading information on my credit report, failing to properly investigate disputes, and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I have disputed the account [ # XXXX ] with ZuntaFi multiple times, yet they continue to report inaccurate, misleading, and unverified data to the credit bureaus. My concerns include the following : False and Inaccurate Late Payments : ZuntaFi is reporting 180-day late payments across multiple months, despite the fact that my account balance is incorrect, and the reporting does not align with my actual payment history.

This is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to ensure information provided to consumer reporting agencies is accurate and up to date.

Billing Errors in Violation of 15 U.S.C. 1666B : My payment history has been misrepresented, and I believe ZuntaFi is misapplying payments or miscalculating my balance.

Since this is a billing error, the company is required to conduct a proper reinvestigation and correct the issue.

Failure to Properly Investigate My Dispute ( FCRA 611 ) : My previous disputes were marked as resolved without proper reinvestigation, yet the inaccurate data remains on my report.

Under FCRA 611 ( 15 U.S.C. 1681i ), ZuntaFi is required to conduct a reasonable reinvestigation.

Failure to Validate Debt ( FDCPA 15 U.S.C. 1692g ) : I sent ZuntaFi a debt validation request, but they have failed to provide the legally required documentation proving the legitimacy of the debt.

They have not provided a copy of the original contract with my wet ink signature or any chain of custody proving their right to collect this debt.

Unlawful Collection Practices and Misleading Representations ( FDCPA 15 U.S.C. 1692e ) : ZuntaFi continues to report the debt without verifying its accuracy, which is considered misleading and deceptive under federal law.

ZuntaFis History of Legal Disputes and Consumer Complaints : ZuntaFi has a history of lawsuits and consumer complaints, including : XXXX XXXX ZuntaFi ( Case No. XXXX, Minnesota Bankruptcy XXXX ) XXXX XXXX. ZuntaFi ( CasXXXX XXXX. XXXX, California Central Bankruptcy Court ) Additionally , they have multiple consumer complaints filed with the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX raising concerns about billing errors and improper debt collection practices.
Product: Mortgage

On XX/XX/XXXX I paid off the balance due on my mortgage via wire transfer. I still had approximately {$2000.00} in my escrow account. I have attached my XX/XX/XXXX statement, showing the principal due and the escrow balance, and a confirmation from my bank of the wire transfer. 

The mortgage holder has informed me, in a phone conversation, that it would take about 30 days for them to refund the escrow amount. 

While not a major problem for me personally, I find this practice outrageous. I see no reason why the money should not be refunded much more quickly - within a few days at most. Doing this every time a mortgage is paid off puts a huge amount of money in their pocket, for no reason.
Product: Debt collection

Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. 
I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Portfolio Recovery Associates LLC to request validation of debts they claim I owe. $ XXXX $ XXXX $ XXXX {$910.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They not only failed to provide me with validation, they didn't respond to me at all and continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.
Product: Student loan

I went to XXXX XXXX XXXX, XXXX and graduated in XXXX. I had to consolidate my student loans from my XXXX XXXX XXXX at XXXX, XXXX, in order to get loans for XXXX. I am now part of the class action law suit for the Borrower Defense to Repayment Act, Sweet vs. Devos. I applied in XXXX and was denied, under Devos ' tenure. Under the lawsuit, I am eligible for the forgiveness of my loans ( which has not happened yet ). I am not eligible for a refund of what is paid, because I was required to consolidate my loans into a privately held student loan by Navient XXXX XXXX XXXX ). There was another lawsuit against XXXX XXXX XXXX and Navient, which I did not qualify for because I did not miss any payments. I should not be punished for making on time payments to a school that was shown to have malicious, predatory lending practices. I believe that Navient should refund what was paid. I have XXXX  children and another XXXX, child. Please help.
Product: Checking or savings account

Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.
Product: Debt collection

To whom it may concern I was served a copy from a court settlement debt. This Discover account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is Discover Bank with the case number of XXXX and I as the defendant. I never opened this Discover Bank nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( DISCOVER ATTORNEY ) but no luck. I was only able to leave a message. Please  help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

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 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Vance and Huffman LLC entered on my credit report in XX/XX/XXXX a past due account under the company name XXXX XXXX XXXX. I contacted them twice by phone, as well as disputed with XXXX  credit bureau. XXXX  closed my dispute saying Vance & Huffman said they confirmed this is my past due account. The second time I called Vance & Huffman, they provided a copy of the supposed check signed by me XX/XX/XXXX in XXXX, NM. The check not only does not have my signature, but the address underneath my name XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX does not exist, and of course have not lived there. The company listed on the check is XXXX XXXX XXXX using address XXXX XXXX XXXX XXXX XXXX, NM XXXX which comes up as an automotive repair shop of some kind under a completely different name. Additionally, I have lived near XXXX, NY since about XX/XX/XXXX, and have not even been inside the state of NM. Of course I have also never heard of XXXX XXXX, nor ever been into an XXXX XXXX XXXX store location anywhere. Vance & Huffman at this time has not confirmed they will remove from my credit bureau accounts, and continues to question this fraudulent charge, and therefore do not know what to do next. Vance & Huffman now also has entered the account onto my XXXX credit report fraudulently. I have also filed a Federal Trade Commission Identity Theft Report under reference # XXXX and do not know what to do. I have a credit freeze, and fraud alerts placed as well. Seeking additional advice as well because there was never a credit check/inquiry for XXXX XXXX XXXX XXXX to give the $ XXXX out under my name, which is now hurting my personal finances with low credit scores. If not resolved, I would appreciate professional advice on potential legal action I can take as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last XXXX of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made on my credit on XX/XX/2021. The report number is XXXX. I was browsing homes to purchase on XXXX. I submitted an inquiry to see a property I was interested in. I immediately received a call from an agent at Rocket Mortgage. He wanted to get some preliminary information to see if I would qualify. I told him that I was still browsing, and that I was not quite ready to proceed with that process. I had just got a job that I have yet to start, and I also had some other things I was trying to get in order. I further told him that I was looking to purchase within the next three months or so. He convinced me to give him some of the preliminary information. XXXX  immediately decreased my credit 14 points. My score went from XXXX to XXXX instantly for me trying to look for a better home for me and my two children. I am a single dad, and it had been challenging to try to provide for my children. We have been throwing money away for so many years renting, and I want nothing more than to give them a piece of this " so called '' American dream, by purchasing something we can call our own. XXXX  is the only credit agency I have been consistently having problems with, as hard as I work to get and keep my score up. My credit score is XXXX with XXXX  and XXXX with XXXX, and they both blocked the inquiry without charging like XXXX  does. XXXX  is overly obtrusive, and disregards consumer 's privacy. They make it extremely difficult for people, particularly certain socioeconomic groups to get ahead. Please do something to regulate the practices of XXXX, and help me to restore my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX bank XXXX XXXX Department of education XXXX XXXX XXXX XXXX XXXX # XXXX Us department of Ed/XXXX # XXXX XXXX XXXX XXXX  # XXXX # XXXX # XXXX # XXXX