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

I am submitting to formally dispute an items on my credit report that I believe is the result of fraud. I have identified these items as fraudulent, as they does not belong to me and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX  XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Bank of America has engaged in a long-term pattern or practice of providing False statements or representation for credit card account XXXX. In fact, these false statements or representation were so serious that I had to close this credit card account. I am attempting to pay an alleged debt to Bank of America for various late fees and interest charges caused by delays created by their failed ACH system which appears designed to incur late fees and interest charges. 

On XX/XX/19 @ XXXX CST I called bank of american collections at ( XXXX ) XXXX who {$25.00} removed from past due amount leaving a payoff amount of {$9.00}. representative was a female who offered to make call notes for a future representative to refer to if item is not removed from credit bureau. 

XX/XX/19 XXXX call during a 1hr-12min call I was transferred to XXXX XXXX who escalation manager and was told the content of my prior call on XX/XX/19 included false statements or representation. Mr XXXX went on to say the name of the representative providing false statements or representation on XX/XX/19 was XXXX XXXX.
Product: Debt collection

See attached package including a XXXX XXXX, received by company as verified by USPS XXXX of Mailing Form XXXX with a postmark date of XX/XX/2021. 

SARMA received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, XXXX have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and XXXX violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither SARMA, nor XXXX has returned the instrument tendered on XX/XX/2021 as verified by the USPS postmarked Certificate of Mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted Transunion about unauthorized inquiries on my report due to identity theft and they refused to remove it. they said that it was a FACT that these inquires were mine... mean while they are in possession of my Police report.
Product: Credit card or prepaid card

Received letter from Discover card of denial application. No application under my name was ever filed. Thankfully application denied due to lack of imformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$61.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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: Vehicle loan or lease

I had a loan with Hyundai Finance for a used car and paid off the loan. I had setup an autopayment from my bank account and made an extra payment. I contacted Hyundai and they said they would issue a refund and keep telling me the refund is pending. 

My overpayment happened on XX/XX/2020. I have spoken to Hyundai customer service once a month since XX/XX/2020 and have spoken to supervisors. They can only send an email to the finance department. Each time I'm told the payment should be received in XXXX days. 

I have also sent a letter directly to the Hyundai Finance department with a compliant. I have not received any correspondence as a result of the letter. The overpayment was {$200.00}. Hyundai for some reason will not process a refund check to me.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX XXXX, and I, XXXX XXXX, were convinced by XXXX XXXX XXXX XXXX XXXX ( phone # XXXX XXXX ) to check our credit to see about getting a loan to place solar panels on my parent 's residence at XXXX XXXX XXXX XXXX in XXXX of XXXX with XXXX XXXX. This process started on XX/XX/XXXX and the loan became active on XX/XX/XXXX but took until XX/XX/XXXX to realize this loan was on my mother 's and I 's credit report and not taken off like we were told it would be by XXXX XXXX. The installation company for this loan is called XXXX XXXX. There was a partial payment included in the contract my mother missed at {$17000.00} released to the installing company. The loan named me ( XXXX XXXX XXXX as a co-borrower when I was told I'd not be responsible for payments at all. I was also under the assumption my XXXX  would replace me as co-borrower before payments were even due. A problem came up with electrical issues in the house, and XXXX told us the XXXX would be canceled and not a problem for us. XXXX XXXX then states they can not close the lone until my mother pays for a XXXX XXXX system that they were supposed to pay {$3000.00} for in my mother 's name for use later with the panels. The system is XXXX and the company that provided it would cost XXXX at most. XXXX has been told this however, they state if XXXX XXXX does not get in touch and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels. My mother and I need help, someone got money for no work and a loan is open on my and my mother 's credit for no reason, as we've asked this to be removed and canceled multiple times. The contract is so confusing that we didn't realize the full payment my parents would be paying is XXXX XXXX + for solar panels that were meant to save them money on energy costs ( as described in their pitch they were told they'd even be able to sell extra energy back to XXXX  XXXX 's ) My XXXX  is XXXX and I'm on my way there myself after a couple of accidents and a XXXX diagnosis. We don't know what to do, my credit is taking hits and I can't afford to have a XXXX + loan out in my name that should never have been my responsibility in the first place. I was told on several occasions that this would be transferred to my dad 's name once his credit was high enough again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reviewed my Equifax Credit report and noticed that their were inquiries that I did not authorize. 

I wrote to Equifax on XX/XX/2022 via certified letter and asked them to investigate the inquiries that I did not approve. Equifax received my dispute on XX/XX/2022 and sent me a copy of my credit report dated XX/XX/2022. 

In this report they only indicated that inquiries are a " Factual Record Of File Access and Will Remain on the Equifax XXXX XXXX for XXXX Years. '' In my initial letter to them I specifically let them know I did not authorize these inquiries pursuant 15 USC 1681B ( C ) ( 1 ) ( A ) ( B ) ( 1 ). 

I sent them a second letter dated XX/XX/2022, via registered mail, in which they received it on XX/XX/2022 ; requesting that they reinvestigate these inquiries. 

Furthermore, they do not have my correct name on file. I sent them a copy of the first page of the credit report showing my name is not correct. I am a female and not a male for them to have " XXXX '' after my name. My identification was enclosed with my correspondence. This is what makes me concern, that they are supporting inaccurate information to be reported on my file, when the actual document was enclosed. 

I have not received any response from them to this date.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concernsregarding Zelle 's handling of disputes, particularly in light of the recent CFPBlawsuit highlighting significant issues withthe platform. Despite using Zelle numeroustimes and reporting discrepancies, myfinancial institution and Zelle failed toinvestigate my claims adequately. Theyinformed me that recovering lost funds wasimpossible and that tracking thesetransactions was unfeasible. The CFPB'sfindings 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt or credit management

An initial appointment was scheduled on my behalf via the XXXXXXXX XXXX XXXX XXXX XXXX. The appointment with Money Management International was scheduled for XXXX XXXX today. 

The counsellor ( XXXX XXXX ) was to call me today for an initial discussion and to explain the nature of their services, charges, etc. 

Over the last weeks, I received email requests to sign agreements and authorize the company to contact and interact with my creditors. At no point had inagreed to anything with this firm. 

XXXX days prior to our meeting, I received an email from XXXX XXXX, asking if I " still would like to become debt free and if want [ their ] services. '' I expressed confusion about the request and asked if the scheduled XXXX meeting was still to take place. 

I never received a response and did not receive a call today. 

Obviously, this firm isn't interested in credit counseling services so much as aggressively pushing agreements onto potential customers. 

The entire thing came across as predatory and inappropriate.
Product: Mortgage

I already talked to SPS last week when they called me to tell me they never got the money. That they called the tax accessor and payment was NEVER received from Shellpoint in XXXX nor to Sps XX/XX/year> as Shellpoint claims, BUT SPS was the last servicer. They cant just walk away. Due to XXXX theft or loss of my money due by improperly collecting escrow funds at closing for taxes I didnt even owe. By domino effect SPS than miscalculated my payoff due to a false escrow shortage for escrows collected that no one was ever paid nor refunded to me. I have explained this literally a XXXX times. No one can find my money. So XXXX going to start saying XXXX and SPS stole it. SPS sent you a ridiculous response back on how they calculated the payoff. It must be new math they are teaching. I paid it off XX/XX/XXXX. It was good through XX/XX/XXXX. Its pretty simple to see per diem is still owed to me from XX/XX/XXXX to XX/XX/XXXX. XXXX not sure what they trying to calculate but its pretty simple they owe me back XXXX weeks. I guess I just use common sense. 

Please see attached closing for loan serviced by XXXX XX/XX/year> to XX/XX/year>. They collected money on a commercial loan in error for taxes and insurance. They claimed to have sent it to XXXX XXXX XX/XX/XXXX but i did not owe XXXX XXXX any money due to a certificate of error filed and approved. XXXX XXXX tax accessor to this day DOES NOT HAVE THIS MONEY. 

SPS started servicing XX/XX/XXXX XXXX took another payment for XX/XX/XXXX for taxes and insurance for {$XXXX} for taxes and insurance not owed or due. 

XXXX sent me a statement of the {$XXXX} owed to me. They claimed they wired to XXXX XXXX and then again to SPS but refused to give me ANY PROOF. It is not SPS 's fault but XXXX keeps referring to them. 

What Shellpoint owes is {$XXXX} NEVER WAS DUE Sps Owes me {$XXXX} due to escrow not being short NEVER WAS DUE {$XXXX} for XXXX payment taxes and insurance NOT OWED {$XXXX} for overpaid payoff NOT OWED refund received {$XXXX} so balance still owed to me is {$XXXX} XXXX sold the house and my payoff was for XX/XX/XXXX XXXX I paid it off XX/XX/XXXX. So all this incorrect language and working this odd formula of interest is inaccurate. Also about me already receiving it is incorrect. My overage was for {$XXXX} due to me It is impossible to communicate with XXXX as my account is closed. So I started contacting any email I could find for XXXX. The CEO blocked me. XXXX he owes me money and blocks me???? 

I guess my next complaint is FTC since thats who regulates both banks
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DP OF EDUC XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Creditor : XXXX  Account # : XXXX Creditor : XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 sec . 602 ( a ) states that I have the right to privacy 15 U.S.C 1681 sec. 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 related 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Notice, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and it is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX XXXX My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I ask that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX