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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) 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, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Product: Mortgage

on XX/XX/2020, prior mortgage co ( XXXX XXXX ) sold my loan to LoanCare. Prior to this I was on a forbearance program with XXXX XXXX due to the Covid 19 since mid XXXX, 2020. I was on a 180 day program but LoanCare did not honor the existing terms of my mortgage loan which included the forbearance program. They terminated it and reported to the three major credit agencies that I was delinquent in my payments.

LoanCare was notified of this on XX/XX/2020 by me and they informed me that they realized this was done and and on XX/XX/2020 had sent a letter to the credit agencies of their error. Today, XX/XX/2020, LoanCare has still not produced the letter of XX/XX/2020 that I was told was sent to the agencies and me. I was also told that I would get return calls by the end of both days but this was not done. 
In one of the calls with LoanCare of XX/XX/2020, I was told that my forbearance with LoanCare did not start until XX/XX/2020 yet on XX/XX/2020 in a call to LoanCare, I was informed that my forbearance was in effect and there was not problem and no agencies were notified of delinquent- which was not true as 2 months were already reported delinquent. 
My credit scores went from very good to need help/fair. 50pt drop. This has impacted me on business and credit and the financial damage has not been determined yet as I was engaging in new loans and now have nearly poor credit and damaged credit repute. 
LOANCARE is slow to make the corrections to the Credit Agencies and my creditors.- nothing has been done as of this writing.
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. 

Tracking numbers are as followed : Experian:XXXX XXXX XXXX Account names : XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 an 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My Citicard balance was sent to me via email and it did not look right. It was {$1000.00} more than it should have been. I tried to access my account and it did not let me in. 
I called the fraud unit and got a run-around since I do not have a telephone with an account plan. We just got a US pay-as-you-go cellphone. Most importantly, I just returned to the US after 10 1/2 months in XXXX where we keep our sailboat. The credit card company knew we were in XXXX XXXX XXXX XXXX and that I used that card to pay the marina charges. I also told them of other recent travel charges that could be on the card. They would not give me any information, implying that I might not be the card 's owner. They still insisted they were protecting the card holder. Well, that 's me! My husband and I are retired and in our XXXX, living on our XXXX sailboat, now in XXXX. We returned to the US on XXXX XXXX, 2015. My internet access in the US is better than in XXXX. I immediately sent a letter to CitiCard complaining about the service. If I could learn of the unwanted charges, I might be able to determine who had access to the card number,
Product: Credit card

In XX/XX/2023 i had paid my Home Depot/Citi store credit card off which had a {$520.00} balance. I subsequently recieved a statement reflecting the XXXX balance along with a letter from Home Depot concerning a security incident of an unauthhorized party gaining access to personal information of my account. My next billing statement had a balance of {$28000.00} due, which is fraudulent, as i have not charged anything. And these fraudulent charges are being reported to the credit bureaus reflected on my credit report.
Product: Debt collection

XXXX violated federal law 18 USC 1001, 8 USC 1324c, 18 USC 1341 by submitting information to the XXXX XXXX XXXX in order to collect debt which was rightfully under XXXX jurisdiction to be allotted to the consumer for lost time. XXXX has contacted XXXX XXXX XXXX Treasury and they have contacted Continental Service Group, INC d/b/a Conserve. Validation of debt was requested on XX/XX/21 following pursuant to 15 USC 1692c, ( c ) ( 2 ). I was sent post dated information to appear as if it was in correlation with the current request pursuant to 15 USC 1692c, ( c ) ( 2 ). Continental Service Group, INC also violated 20 federal laws including 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ) ,15 USC 1692f ( 1 ), & 15 USC 1692c ( a ) ( 1 ).
Product: Debt collection

On XX/XX/19 at XXXX XXXX. - I was notified by my Employer that the original collections company has repeatedly contacted my place of Employment by calling the main phone number asking for me on multiple occasions, regularly 10+ times daily, for the past week or so. Repeatedly they were told that I will be in contact with them to discuss any matter but they keep calling. 

On XX/XX/19 at XXXX XXXX. - I called the original collections company and told the representative stop calling my place of employment. They told me that my phone number and all phone numbers associated with the account has been deleted. 

On XX/XX/19 at XXXX XXXX. - I called the original collections company again and spoke to a representative ( XXXX ) that has left me voice messages numerous times. I told her that they are not allowed to call my place of employment asking for me. They are putting my job in jeopardy. Representative told me that she has made a note to not call my Employer 's phone number and they will not call again. 

On XX/XX/19 at XXXX XXXX. - I was notified again that the original collections company called my Employers phone number again asking for me. The call was then transferred to me and I again repeated to them that they were not allowed to call my place of employment and that I will be filing a complaint about their harassing, unwanted phone calls. The representative ( XXXX ) said that no one ever noted in their system that the phone call is unwanted or on the do not call list but he is making a clear note regarding it.
Product: Mortgage

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Money transfer, virtual currency, or money service

I am filing this complain under the concern for the blatant disregard for protection again scammers that CFPB brought to light. Previous claims of mine were not sufficiently investigated, and it is now known that zelle allowed scammers to stay on the app, as well as not actively logging transactions so that they could be traced in the event of a scam, or accidentally sending to the wrong person. There were no warning labels, as well as no indications that zelle would not be able to help in any way in the case of a scam or accidental transaction. This is a big risk for myself and others financial safety.
Product: Debt collection

Three months ago I decided to have a unified platform to monitor my credit cards. I came across Tally on their website www.meettally.com. I downloaded the app and created a profile. The company suggested me a line of credit. I completed the application and did not use the account at any time. 

Few weeks later, I began receiving multiple email and text messages claiming payment. I ignore them because I never used a credit card without full knowledge. They persisted and when I called, I was informed that Tally had paid my credit cards XXXX XXXX  XXXX XXXX ) on my behalf. I asked when and why. I was told that that's how they work. I replied that I never asked for such service therefore will not be responsible for any such debt. 

I proceeded to call XXXX XXXX XXXX and was informed that my credit card was overpaid. That was shocking to me. I asked XXXX to send the money back to the company that paid it. The bank declined so I requested that they close my account if I am not protected from predatory landing. 

Tally company is now harassing me with phone calls and text messages. 

Thank you for your assistance. 

XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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: Bank account or service

I have been a loyal customer of Regions Bank for several years. Never have I overdrafted my account. A week ago I noticed that my account had overdrafted. I immediately went to the bank to pay off what I had gone over. To my shock, I had been charged over {$800.00} in overdraft fees, which is more than the amount I had even gone over. After calling, emailing and visiting a branch SEVERAL times over the course of one week, I have gotten nowhere. Not only that but the person I spoke to on the phone with customer service was extremely rude and even laughed at me. Having never overdrafted on my account and immediately replenishing the account, I believe these $ XXXX in fees is unethical and abusive. I repeatedly asked the bank to freeze my account so that if anything else comes in, it just needs to be declined. They failed to do so as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that fails to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am deeply concerned that my disputes may be handled in a similar manner. 

Please review the inaccurate information being reported : 1. I was never late on this accountXX/XX/XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. I was never late on this account XX/XX/XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 3. Validate account XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report. 

4. Unauthorized Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Please delete from my credit report. 

5. UPDATE MY PERSONAL INFORMATION. 
NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Please delete all other names, old address, phone numbers, emails, employers, and social security number off my credit profile.

Under the FCRA, you are required to : Conduct a proper investigation into my dispute, inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documents you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you failed to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly I look forward to your response within the legal mandated 30 day timeframe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern, This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my consumer credit report on XX/XX/XXXX, without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618 ( a ) 3 ( 1 ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( S.D. XXXX. XXXX ). I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. To avoid any of these penalties, I demand that these inquiries be removed immediately. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to : XXXX XXXX XXXX XXXX XXXX, PA XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF XXXX XXXXXXXX XXXX/DEPT OF ED XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

WHEN PULLING MY CREDIT REPORT I DISCOVERED THAT XXXX XXXX XXXX XXXX IS REPORTING MY OPEN PAID AS AREED ACCOUNT AS A BANKRUPTCY STATUS, WHICH IS INACCURATE. THIS ISSUE IS HIGHLY IMPACTING MY CREDIT REPORT AND SCORE.
Product: Credit reporting or other personal consumer reports

XXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected.

Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXXXXXX XXXX XXXX