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

Company, Transunion has continued in their efforts to violate my rights of privacy under the privacy Act of 1974. Company was provided with a CFPB complaint on XX/XX/XXXX, complaint number ; XXXX, regarding an account with " XXXX XXXX ''. Advising Transunion that they are violating my rights of my privacy without emailing or mailing a disclosure violating my rights under 15 U.S code 6802B, for the company of the investigation where they have collected information from. It is law that No individual can procure or influence the preparation of an investigative consumer report on any consumer unless [ B. ] such disclosure is made in a writing mailed or otherwise delivered, to the consumer. This disclosure should not be done later than three days after the date on which the report was first requested and includes a statement informing the consumer of his right to request the additional disclosures and the written summary of the rights of the consumer prepared .The company, Transunion has not provided me any written or emailed disclosure within the 12 months that they are suppose to provide to a consumer in order to report such information. Transunion is in violation of 15 U.S code 1681 as they have not reported the accuracy of the Account " XXXX XXXX '' to be reported to my consumer report. Transunion has responded on XXXX XXXX, regarding another dispute of this account submitted on XXXX. Based upon Transunion investigation, they have verified the accuracy of the account. Transunion is not providing truth. Transunion has not verified the accuracy of this account as this is a " Charge OFF '' account, According to IRS Publication a charge off account is a " Certificate of Indebtedness '', which means it is income and income can not be reported to a consumer report. Eye am requesting compensation for the above account being inaccurately reported to my report in transunion efforts to not remove this account from my consumer report. Transunion has violated FCRA guidelines on what shall be reported to a consumer report. It is being recorded that Transunion has not established a code of fair information practices that governs the collection, maintenance, use and dissemination of information being maintained within their systems of records, under my privacy rights ( 5 U.S code 552a ). Eye am requesting damages and compensation and that this account be removed effective immediately.
Product: Debt collection

Date XX/XX/XXXX, amount {$670.00}. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/XXXX. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/XXXX. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/XXXX. The XXXX Landlord forced me to move out for their repair on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian is illegally reporting medical debt on my credit report, in violation of the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX  XXXX XXXX open XX/XX/XXXX Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
DISCOVERBANK XXXXXXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Product: Mortgage

In XXXX of 2023, the mortgage servicing company requested a copy of our insurance policy which we provided. The servicing company then asked us for the previous 2 years of proof of insurance for the property. We provided the requested documentation. 
They audited the insurance coverage and discovered that there was a 3 month gap in the insurance coverage due to a clerical error on the insurance company 's part. Our annual insurance rate is XXXX per year for this property. The mortgage servicing company claims that they retroactively placed insurance for this 3 month gap, 2 years after the fact and were charged {$3100.00} for this 3 month gap. We disputed this fee as anyone involved which insurance knows that you can not retroactively add insurance for a time period that has already lapsed. We contested that this {$3100.00} amounted to a punitive fee to which they were not entitled. Even if the Servicing company had the ability to issue fees and punitive penalties for the 3 month gap, it should reflect the actual cost of that insurace which was {$110.00} per month X 3 months for a grand total of {$330.00}. Instead they levied a fee equal to 10 times the actual cost and they claim that this is what they had to pay. We have asked to see this fictitious policy and they have refused to send it but send us form letters stating that our request is under review however they never produce anything. They proceeded to add the {$3100.00} to our mortgage balance in spite of the fact that this is a fictitious charge and is being disputed and they go into our bank account and adjusted our mortgage payment to reflect a new payment which has amortized this {$3100.00} charge over the next 12 months. 
This is absolute theft and we request that this be investigated. 
1. The Mortgage service company SPS does not have the right to issue punitive fees 2. Fees for insurance coverage for a gap period must not be 10x 's the actual cost of coverage 3. SPS, nor any other mortgage servicing company can retroactively place insurance for a lapsed period as insurance is a forward facing service. Therefore the charge is actually not insurance but a punitive fee which they are not entitle to charge nor collect for.
Product: Checking or savings account

I had a checking account with Wells Fargo since 2018 suddenly they charged me more than XXXX dollars in fees. The account got closed cause they changed fees and I was tired to pay them Now they send me to collections for XXXX dollars fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to resolve the accuracy of my report with the companys listed above but it has not been resolved. 

in accordance withe the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C. 1681 SECTION 602A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regulating Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises very serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an error. It does not belong to me. XXXX XXXX In Opened XXXX XXXX, 2016 It has already been removed from the other 2. I promise it does not belong to me.
Product: Credit card or prepaid card

I purchased a chair from XXXX  XXXX customer service on XX/XX/2022, in the amount of {$1000.00}, sales-check XXXX, receipt number XXXX, case number XXXX delivery date XX/XX/2022. However, when I purchased the furniture, I provided the customer service rep XXXX XXXX with voucher information in the account of {$580.00} but it was not applied to my account/order. Can you please assist me with resolving this issue to adjust my account balance to reflect the credit provided? 

Very frustrated, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX and experian to have XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately
Product: Credit reporting or other personal consumer reports

RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " 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. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either XXXX, Experian, or [ Furnisher of Information to Credit Agencies ] for the reporting of my consumer information.

Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by XXXX, Experian, and [ Furnisher of Information to Credit Agencies ] regarding the furnishing of my consumer information.

Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ Furnisher of Information to Credit Agencies ] has failed to fulfill this statutory obligation.

Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation. 

Given these multiple violations of federal consumer protection laws, I demand immediate cessation of all unauthorized reporting activities and the removal of any improperly reported information from my consumer files. 
This communication should be maintained in your records as evidence of my formal revocation of consent and notice of statutory violations.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings account. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rate offered by the 360 Performance Savings account. This Deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

My mortgage company Ditech in XXXX of XXXX put us on a loan modification and after making 1st payment stopped calling us and would not answer any of our calls .When we finally got ahold of Ditech they told us not to make any more payments which we thought was very strange. Several months later started to get electronicly signed documents from a lawyer firm called XXXX XXXX XXXX XXXX. Turns out that they have been in many mortgage scams on there sight .My Attorney who we believe was involved as well as our Trustee seemed to be covering up something .Around XXXX we got issued forclosure papers and documents from there lawyers XXXX asking for certain documents when returning papers for a loan modification.My wife and I started to do some research and discovered some very discriminating evidence of fraudulent activity on some documents we had found involving a merger between banks that we had on our mortgage .Turns out that we actually had the deed book along with a mortgage assignment that has some very suspicious material on them. I was not sure why I would of been sent the deed so did some research and found out that everhome mortgage company had paid our house off in XXXX in a settlement agreement. When the merger took place which has XXXX different copies showing different times and dates then I have in the original cover page of deed ..there lawyers XXXX XXXX XXXX sent us papers that they were gon na have sheriff sale on house on XXXX XXXX XXXX. My wife and I believe that we were scared by our mortgage company and that my lawyer and trustee covered it up for the banks involved cause they kept me in a bankruptcy that I should have never been in cause I was transferred our home in XXXX before I was even in forclosure..we believe our rights have been violated by our mortgage company and there XXXXDitech XXXX as well as my lawyer and trustee. We now have found out that XXXX has eliminated my accounts hiding the transfer of said property.Ditech who is the latest company wo n't answer callsome and looks like they are trying to take our home away from us. We are hoping that someone will investigate this matter as time is of the essence please help us save our home of XXXX years.
Product: Credit reporting

Experian XXXX XXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission This letter is a formal request to correct inaccurate information contained in my Credit file. I have been trying to get access to my credit file have enough trade line on my credit file to have a score I have had several paid for and always paid on time account I show no recourd found I need this corrected 1 EXPERIAN - PULLED ON : XXXX/XXXX/XXXX *** NO RECORD FOUND *** Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately : delete, update, correct ] the item. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit report to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 
If your investigation shows the information to be accurate, I request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

DISCOVER closed my credit card account that is in GOOD STANDING, WITHOUT prior notice other than the email I received on XX/XX/2020 advising me it was closed, effective immediately. When I called the Portfolio Verification Department it was closed during business hours " because of a meeting. '' After 2 hours of constantly calling, I finally got someone on the phone, and they told me " there is nothing we can do, the account is now closed due to inactivity. '' The account has {$0.00} Outstanding Balance and my credit score is 710+. I've had this account for 10 years without ever missing a payment. How does this effect my credit score and who will be responsible for this? Their answer was to call the Credit Bureau.
Product: Mortgage

This complaint is in reference to case # XXXX. We received a response from the mortgage company back on XX/XX/XXXX which included them issuing us a check in the amount of {$2000.00} and as of today, XX/XX/XXXX we still have not received it. I feel a month 's time is adequate enough that we should have received it by now. 

Thank you!
Product: Credit reporting or other personal consumer reports

https : //www.annualcreditreport.com/ I already submitted this complaint in XX/XX/year>. However, the website/company completely side stepped my concern. 

I requested they IMMEDIATELY CEASE issuing my credit report to anyone. 
They DO NOT Have my consent to issue my credit report to anyone. I detailed my reasons for my request to the company directly and in my complaint from XX/XX/year>. 

The Company/Website completely ignored my request to STOP issuing my credit report. 
They are not a credit rating agency and they have NO AUTHORIZATION from me to issue my credit report to anyone
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that seller has not only reflected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.