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

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Reporting Agency Name TRANSUNION : XXXX XXXX XXXXXXXX Account Number : XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( s ) : This information must be verified and evidence of the investigation sent.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Follow-up Complaint Regarding XXXX 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue XXXX 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet XXXX has failed to implement the required block. 
XXXX 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ).

Requested Resolution : Immediate blocking of all information related to the fraudulent Bridgecrest account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.
Product: Checking or savings account

My card was fraudently overcharged multiple times. I tried to file for a fraud chargeback as the automated system from Revolut stated that it determined my charges were not fraudulent as I had the card in my possession. I handed the card over to a waitress who charged my card for several transactions at once with many various amounts. Ive tried to speak with someone at Revolut which uses XXXXXXXX XXXX XXXX  in NY. Ive gotten nowhere - no information- no investigation. I contacted XXXX XXXX  who told me that no chargeback was ever filed. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's hanaling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that trying to recover lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings 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: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX, am writing this pre-trial letter as a last and final attempt to settle the matter of my PayPal Account Funds My account was permanently limited in XX/XX/XXXX, After that I was ensured by PayPals Office of Executive Escalations Representatives ( XXXX and XXXX XXXX that I will have my funds available to withdraw by XXXX XXXX, XXXX. 

On XX/XX/XXXX, My funds, approximately XXXX CAD were transferred to PayPal itself for undefined damages caused by supposedly violating its acceptable use policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Mortgage

I received a letter dated XX/XX/2019 stating that I am being given a two new account numbers, one morgage and the other insurance, which is not called insurance but voluntary hazard insurance. What the heck is that? Insurance in not voluntary. At the bottom of the page it states " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. IT IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' I have no idea if this letter is ligitimate or not. I asked for a number of a parent company to call to verify and was told to get in touch with CFPB or an attorney. The customer service person seemed uncerned that I would be concerned over an out of the blue notice that my account numbers are being changed, or that a threat at the bottom of the page stating the letter is an attemp to collect a debt since I have a very high credit rating. My problem is simple. Is the letter on the up and up?. Especially because of foreign hackers being an issue in USA, and when I asked what country was I speaking to, I was told the XXXX. Thank you for validating this one way or the other.
Product: Credit reporting

I visited the web site " XXXX '' to secure the XXXX free credit reports that are to be available each year. I had not secured any free credit reports over the last XXXX years or more. I followed all their instructions to get the reports on line. I filled out their forms and provided all the information requested. After a few seconds I was advised that my reports could not be prepared and suggested I order the reports by phone. There was no explanation as to why the forms were not available. As a result I will have to go through this process again and will have to wait for the reports to be sent to me. If they had conveyed the nature of the problem I could have reacted and solved the problem.
Product: Debt collection

I am writing to file another complaint against Midland Credit Management for their violations of consumer protection laws and misrepresentation of information on my credit report. I request your assistance in addressing these issues and taking appropriate action against the companies. 

Midland Credit Management : Midland Credit Management has failed to supply proof under the doctrine of estoppel by silence, as established in the case of XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. Based on this legal principle, I presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. I requested that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report. In the absence of such evidence, I urge you to promptly remove all inaccurate or unverifiable information related to these accounts from my credit report. Furthermore, I request that Midland Credit Management ceases reporting this disputed information to any third parties immediately. 

Midland Credit Management has violated 15 U.S. Code 1692e - False or misleading representations. Specifically, they have committed five acts of reporting inaccurate information to the credit bureaus regarding alleged charged-off accounts, falsely representing them as open balances from the original creditor. It is important to note that charge-off debts must be reported to the IRS on XXXX XXXX Failure to comply with this requirement results in noncompliance with applicable tax laws, rendering such debts ineligible for assignment to a debt collector. Therefore, I request that Midland Credit Management provide me with the completed original contracts, including all endorsements and assignments, pertaining to the accounts they have reported on my credit report, as well as the contract I have with Midland Credit Management. If they are unable to provide this documentation, I insist that all inaccurate or unverifiable information related to these accounts be promptly removed from my credit report. Additionally, I demand that Midland Credit Management cease the reporting of this disputed information to any third parties without delay. 

I want to bring to your attention that this is the third time I am filing a complaint against Midland Credit Management, as they have shown a pattern of violating consumer protection laws by purchasing accounts that have been charged off and cancelled by Form XXXX. 

I kindly request your immediate attention to this matter and a thorough investigation of the reported violations by Midland Credit Management. I expect that appropriate actions will be taken to rectify these issues, hold the company accountable, and ensure compliance with consumer protection laws. 

I appreciate your prompt assistance in resolving this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy for my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

On XX/XX/2021 AWA COLLECTIONS added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor 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 its mines. according to the FCRA AWA COLLECTIONS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my dispute back from Experian and they said everything was accurate there's 2 school loans for nearly XXXX I was never aware nor received myself. Alerted them that think my identity got stolen still didn't take off my report. 
I want off my report but no luck
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUB

MITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report from TransUnion shows a Collection Account for {$240.00}, via a Collection Agency ( Collection - XXXX XXXX XXXX, XXXX . XXXX - XXXX, TX XXXX USA ), however the original creditor XXXX was paid {$240.00}, and the debt was settled. TransUnion was informed of this via their dispute file number : XXXX. Their response was " Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report '' and " Account information disputed by consumer, meets FCRA requirements ''. Again, the debt was paid. XXXX has removed it.
Product: Debt collection

Every single day XXXX XXXX calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.
Product: Mortgage

My compliant arises from Mr. Cooper 's and XXXX 's failure to provide adequate and complete disclosures in their deed of trust regarding permissions for exercising a short sale and deed in lieu. 

Had these pertinent terms been disclosed and the type of permissions required for execution, I wouldve made an informed decision. I would've fully understood as the sole borrower of the loan whether consent from another party was required for a short sale or deed in lieu approval. Taking this into consideration, I would've not signed as the sole borrower on the loan, add two co-signors, and put my credit on the line for the next 30 years. 

Ive took time out of work for a year to resolve this issue with multiple representatives from Mr. Copper and XXXX only to find out now there is a flaw in the deed of trust. 

The fact these pertinent disclosures werent disclosed is equivalent to blindly signing a contract. In other words, I signed for something I didnt know what I was signing because these terms were clearly and undoubtedly excluded. This clearly is Mr. Cooper 's and XXXX 's fault, since they're the parties responsible for verbiage structure. 

At the time the deed of trust was signed on XX/XX/2013, as a CPA and XXXX  XXXX agent, I made the extra effort to double check and read every letter of the deed while dotting all my " is '' and crossing all my " ts ''. No where does it mention I need to obtain the consent of any co-signee in the event of a short sale or deed in lieu. 

It's obvious that with my thorough due diligence review, had I known about this substantive fact in writing, I would've thought twice and not entered into this agreement with Mr. Cooper. In fact, who in their right mind would get into a rabbit hole like this, especially someone whos well educated like myself, had they known about these facts upfront? 

Omission constitutes a null contract which is equivalent to a rescission. The fact these important terms were omitted makes me wary about Mr. Coopers and XXXX 's fiduciary responsibilities not knowing if other disclosures were also excluded. 

As a result, I feel like I've been robbed of my credit, gipped, taken advantage of, defrauded, inadequately informed, and treated unfairly from both companies. I dont feel comfortable continuing doing business with these companies because I suspect they're probably engaging in other illicit practices. 

Therefore, rightfully so, I am requesting these companies to be sanctioned and suspended from doing business in the financial sector along with the release of my name from the mortgage. 

In case there's any confusion or a predisposed, illogical rationale in favor of these entities, I want to close off by giving an example. As a XXXX  XXXX agent, if a universal policy doesn't contain any information on policy fees for early withdrawals, but my client signs and later makes a premature withdrawal only to know theyre slammed with a hefty fee, what do you think the outcome would be? 

In this example, I am the customer who happened to sign an unlawful and invalid deed of trust with corrupt financial institutions who go by the name of Mr. Cooper and XXXX XXXX.
Product: Debt collection

During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to XXXX XXXX XXXX on yesterday, I was told my account was sold to a 3rd Party called : Alliant Capital Management located : XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. Alliant have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Chime bank email to me : Were sorry to share the news that we have decided to close your Chime XXXX XXXX XXXXXXXX XXXX XXXX Account, Chime XXXX XXXX XXXX XXXX Account, and your XXXX  for Secured Deposit Account, effective immediately. 

Your account was closed for the following reason ( s ) : * Legal OR Law Enforcement Request At this time, you are not eligible for a refund of any remaining account balance.

If youd like to get in touch with Chime XXXX XXXX about this decision, please reach out via live chat in the Chime app or call XXXX XXXX XXXX XXXX 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

Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure
Product: Credit reporting or other personal consumer reports

I have been diligently trying to get my account corrected for the past XXXX XXXXs I have been identity theft victim and XXXX, XXXX and Equifax has been making my life a total Nightmare my personal information is inaccurate my credit report is inaccurate I can prove who I am and have sent several messages to them have all disputes on accounts disputes on inaccuracy of the information that they have publicly no response no solution I do it every month how to dispute nothing 's being done and still keep giving me the same response I need someone to help get this Right