23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My with Aurora Loan XXXX was scheduled to be service released to Nationstar on XXXX/XXXX/12. Instead, my home sold ( closed escrow ) on XXXX/XXXX/12. Despite this, Nationstar continues to report that I had a loan with them ( even though the Aurora Loan XXXX record is still reflected on my credit ), and they reported that my account began with them on XXXX/XXXX/12 and was derogatory. They continue to show this on all credit bureaus despite the fact that I 've contested it and shown them that they did not even have servicing at any time.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Jefferson Capital Systems add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
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 : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter to XXXX, Equifax and XXXX credit bureaus asking for a description of the procedures used to determine the accuracy and completeness of and entry on my credit reports for XXXX XXXX XXXX, Account # XXXX. I asked them to provide the name, address and telephone number of each person contacted regarding the alleged account. I also asked for a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the amount claimed. 

This is a clear violation of my rights under the Fair Credit Reporting Act 611 ( 6 ) ( b ) ( iii ). 
and they also have 15 days to report to me the results I requested which they have not. I demand that this entry of XXXX XXXX XXXX be immediately removed from my report of all 3 credit bureaus as its is hurting my chances of obtaining credit. 

Failure of the credit bureaus to delete this entry from my reports, will result in me filing a lawsuit demanding {$1000.00} per violation for the following : XXXX ) Defamationm XXXX ) Negligent enablement of Identity Theft XXXX ) Violation of then Fair Credit Reporting Act. 

The Credit bureaus have violated my rights under the FCRA as they did not provide the information that I am obligated to receive upon my request. All they did was again say that the Item was verified that it belongs to me. I did not ask that in my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact XXXX XXXX who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00}
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Product: Credit reporting or other personal consumer reports

I went through a personal hardship and was unable to make my XXXX  payments on time for a few months. This was long enough that they closed the account and i was then unable to access my account online to make payments or see any of my account information. My card is missing and I do not have the full card # to use when calling to make a payment unless you can wait for over an hour on hold which I cant, so I am unable to get through most days when I try as the automated system does not recognize you without a full card # to enter and disconnects most of the time. 

Eventually I got through but each time I call and get a person on the line I get different answers about my account and its all misleading. 

Most recently I was calling to see how I could make a payment and when they transferred me to their payment sector I was asked for my contact information again and then informed it was a collections agency ( zwicker and assoc. ) attempting to collect a debt. I asked them for information on the account which they had none, and refused to verify the debt or give me information as to who is reporting on my credit or who I may speak to about the details of my account. They put me on hold and then told me that my XXXX account was already held by a separate collection debt management company other than theirs that Ive also never heard of or have a recollection of. XXXX XXXX XXXX told me that I owe them my account balance and in order for them to take payments or help me I have to call and ask the other collections agency to give them permission to take over my debt. This is alll very shady and misinforming. I was simply trying to reach XXXX XXXX to make a payment or settle my account with them in good graces but not be led on by other collections agencies I have no contracts with and who can not discuss my account details in the first place. I have no business with Zwicker and Associates and would like them to cease all contact and collections effort with me as they do not even have the right to my debt.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX made an erroneous hard inquiry on my credit with Equifax. The Inquiry was referece number : XXXX for XXXX XXXX, application for XXXX XXXX XXXX XXXX. 
THE APPLICATION IS A FRAUD AND AN ATTEMPT AT IDENTITY THEFT. 

1. I am not, and have never been associated with XXXX XXXX. 
2. XXXX XXXX does not operate at the address provided. That is my residence. 
3. The Tennessee Secretary of State has no record of a XXXX XXXX in the state. 
4. I have never applied for a XXXX XXXX Credit Card or other credit from XXXX XXXX in any way. 
5. This application is absoultely not mine. 
6. I did not authorize XXXX XXXX or XXXX XXXX to do an inquiry on my credit. 
7. XXXX could not possibly prove that this is a legitimate request for credit that I made, because I did not make it. 
8. I will not quit disputing this until XXXX XXXX retracts the hard inquiry from Equifax
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding the way Zelle handles disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues regarding Zelles platform. Despite using Zelle many times and reporting any discrepancies over the years, Zelle and my financial institution failed investigate properly. They informed that recovering any lost funds would be impossible and tracking these transactions was impractical. The CFPBs findings suggest that not only did Zelle fail to protect its consumers but also allowed for offenders to repeatedly exploit the system, leaving its user vulnerable to scams. This careless lack of accountability and transparency raises serious concerns about consumers safety and is quite frankly unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$5400.00} / XX/XX/2022
Product: Mortgage

I hols a mortgage with Chase. 
I was recently informed by Chase of an increase in escrow account payments of around 50 %. This prompted me to review the latest escrow statement. I noticed that an extra home insurance payment had been made. This explains the escrow shortages. 
Furthermore my insurance agent sent me proof that Chase had been sent this excess money back immediately ( XXXX of XXXX  ). 
After this experience I was prompted to look into past escrow statements. I was unable to find any previous statements at Chase 's site. 
This is highly suspicious behavior.
Product: Debt collection

Over a year ago I was contacted by Midland Credit Management regarding my outstanding balances on XXXX credit cards- XXXX XXXX and XXXX. At the time I fell behind, I was working at the XXXX and survived XXXX episodes of XXXX. I made arrangements to make payments toward both of these accounts of $ XXXX each. I have kept up my agreement. 

I recently received a letter from Midland saying that they were going to take legal action. I wrote back saying that I did not believe this because I have kept up my bargain. 

Since falling behind on these debts I have gotten a better job. Last night I offered the {$3000.00} to settle these debts. They asked me to give them the money in the promise to pay on XX/XX/year> but were unwilling to put the settlement in writing. 

I have made every effort to pay these debts. This company has not sent me any invoices showing me a validation notice or an itemization iof the account. I need help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Debt collection

I noticed a collection on my credit report from Zion Debt Holdings and opened a dispute on the XXXX XXXX. Shortly after, on XX/XX/XXXX, Zion Debt Holdings ( ZDH ) texted me. The company ZDH claimed to have bought my supposed account XXXX  for {$500.00}. They claim I had this service for 5 years starting in XXXX  ( All of which is false. ) I asked for a copy of the supposed contract I signed with XXXX  and have not received it. I called Zion Debt Holdings today on XX/XX/XXXXXXXX  from the number listed the XXXX app and tried to explain to the company I am a victim of fraud. ZDH told me to call my local police station. 
I do not have an alarm system. I did not sign a contract with XXXX in XXXX  nor did I have professional security service for over 5 years. 
I have had unusual, fraudulent activity from person ( s ) using my personal information in the past to set up light/ utility accounts and other purchases.
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 XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX 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: Debt collection

I received an email about a non-existent debt from an old checking account with XXXX bank. I still bank with XXXX so the accusation of debt and check fraud is invalid. The email was a gmail account not a business account and the email included my driver 's license number, social security number and old bank account number. I am terrified that someone now has breached my security and has my social security number and circulating it in an email is not safe. The company signature says National Credit Adjustor but the email XXXX XXXX XXXX XXXX using email address XXXX. I will add some safety measures on my credit report but need to stop this from going any further. Hopefully you can help me or guide me in the direction of someone who can help. Attached is a copy of the email they sent me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with XXXX XXXX, experian, XXXX, and XXXX 3 times. XXXX and XXXX verified that this account was not mine and also that the company did not respond within 30 days so it was deleted. Well with Experian they are still leaving this on my credit and I this is not my account. I have not had any resolutions from experian or account recovery on this account. I asked for proof that this account is mine and I have not had any results.
Product: Checking or savings account

On XX/XX/2021, I opened two accounts with XXXX XXXX using my debit card. Days later, the accounts were closed due to the funds being returned. That was never the case! The funds actually were deducted and posted to my account as a debit. For months now, I've been trying to get my money back but XXXX is saying the funds were never deposited. I have a copy of my transaction from that day showing proof that the funds were deducted from my account. 

XXXX XXXX  aka Lending Club Accts # XXXX & XXXX