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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, Equifax, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. Equifax, XXXX, nor XXXX  have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, Equifax, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.
Product: Credit card or prepaid card

I have a credit card with Chase XXXX XXXX XXXX and on XX/XX/XXXX I made a purchase using the card. On XX/XX/XXXX I paid the balance off in full but rounded up so that I overpaid by XXXX cents. My XX/XX/XXXX statement showed that I had a XXXX cent credit and no further payment was needed. I then did not get another statement till XX/XX/XXXX, this statement showed that I had a purchase for XXXX cents eliminating my previous XXXX cent credit bringing my balance to {$0.00}. I called Chase customer service and spoke with a lady who said they only identify by their first name and no employee number, her name was XXXX. she told me it was Chase internal policy to take back anything under XXXX dollar and this information was not written or posted anywhere for me or any other consumer to see. She wanted her supervisor involved as I was asking questions she did n't know, her supervisor, XXXX said that what they are doing is not illegal. They take back anything under XXXX dollar and keep it until claimed. They offered to credit my account. I asked how can they take back my money and keep it until I claim it but not inform me that is the policy or notify me that I have money that needs to be claimed? How is this not illegal and unethical? How is this not a company wide plan to steal many cents from millions of their customers as most do not know or realize they need to call to claim money that was removed from their accounts and or how many millions of people do n't bother to call and spend an hour on the phone to claim their cents back? How is this not a class action lawsuit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the customers Financial Protection Act. ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting alarming issues with the platform. Despite using Zelle numerous times and reporting discrepancies, XXXX bank and Zelle failed to investigate claims adequately. They endorsed that recovering 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 with its valued customers is entirely unacceptable. This continues to raise very serious concerns about consumer safety using these platforms.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX  XXXX Balance {$35000.00} XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So they put im dead and im not dead im XXXX and wondering why i cant do anything with my credit as well XXXX i owe XXXX XXXX
Product: Debt or credit management

I signed a contract with LeveOne Law in XXXX, Florida to debt settlement in XX/XX/XXXX. I pay XXXX monthly for help settling debt relief with four credit card companies. I received notification on XX/XX/XXXX that they would be unable to help with future settlements due to court order against partner or parent company XXXX which is being sued by New York and XXXX other states attorney Generals. For 15 months I have made payments in total XXXX dollars and received no settlements or representation in court. I am being sued or in collections with all four and navigating this situation by myself. I have had to fill out and answer summons with help using XXXX to ensure I stay within the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I emailed my Current Banking Company on XX/XX/year> to dispute charges that I did NOT authorize in the amount of {$820.00}, they started an internal dispute process, and after 1 week they came to the conclusion that I authorized the charges, even though I did not. The bank in question is not willing to look further into it, or provide any information other than the automated response of " upon review our team believes you made these transactions. ". I have attempted to reach out to the Merchant in question who is not willing to give me any information or resolution, since I can not verify the account that was used to make the transactions.
Product: Debt collection

My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$93.00}. I have no knowledge of this debt.
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 Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX XXXX5 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

XXXX   XXXX   XX/XX/XXXX  {$390.00}  XXXX - XX/XX/XXXX  - XX/XX/XXXX  {$0.00}   XXXX   XXXX   XXXX   XX/XX/XXXX  {$0.00} I would like to provide proof I consented t o this inquiry via fcra section  609 and 605 as well as the accuracy of this inquiry via fcra section 623 if you have no proof immediately of any or one I would like it removed immediately Iv asked for these to be removed more than once and have never got any answers nore have they bin  removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company XXXX XXXX XXXX XXXX for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!
Product: Debt collection

Dear Cfpb ; NTL Recovery Agency ; XXXX XXXX ; I am writing to address an alleged account totaling {$8500.00}, which I have no knowledge of and believe to be associated with fraudulent activity. Despite disputing this matter with the credit reporting agency, they have informed me of your confirmation of its validity. I wish to clarify that I have never engaged with your agency or the original creditor in any capacity. 

Furthermore, the reporting inaccuracies surrounding this account constitute a direct violation of the FCRA and FDCPA. In the interest of resolving this issue amicably, I must request documented proof of this debt, specifically any alleged contracts or agreements bearing my signature, and confirmation of your authority in this matter. Without such substantiation, I demand the immediate correction of any erroneous credit reports related to this debt. 

To facilitate a swift resolution, please provide the following information : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter.

Legal basis for your collection of information.

Legal basis for your collection of this alleged debt.

Evidence of authorization to operate in this state.

Proof of the alleged debt, including any contracts or instruments bearing my signature.

Complete account history, including collection-related charges.

I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I assert my right to privacy, and under 15 U.S.C. 604 ( a ) ( 2 ), I demand that no information be furnished without my explicit written consent. I insist on an immediate cessation of all communication and collection activities related to this account. Furthermore, I request the prompt removal of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights as outlined in the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : False, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This debt is not mines
Product: Debt or credit management

This was debt loan that I got in XXXX  and because I became very ill with covid shortly afterward the loan was forgiven, I don't know who's Debt recovery solutions are I never signed any contract with then not have I received any correspondence from them I didn't receive any notice saying they had purchased the debt from from blinc or scratch the original company nor did I sign anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit or Toyota Motor Credit Leasing is reporting derogatory information to XXXX, XXXX  and XXXX. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet Toyota, XXXX, XXXX  XXXX XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires Toyota to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, Toyota, XXXX, XXXX  and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to Toyota remain on my credit file, despite Toyota, XXXX, XXXX  and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, Toyota has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted Chase regarding a credit card letter I received in the mail asking me to confirm my information. I had originally applied for a business credit card on XX/XX/2022. When I called the representative asked me to confirm my Social Security number and during the call I received a notification about a credit inquiry from Chase on my XXXX credit report. I asked the employee on the phone why she had ran my credit without my consent. I immediately asked to speak to a supervisor demanding they reverse the credit inquiry as I had not authorized the credit check. She refused to help me and stated I had authorized them to check my credit when I had applied on XXXX XXXX. There was already a credit inquiry on XXXX XXXX and I did not authorize the credit check from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment.

FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.
Product: Mortgage

I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the XXXX of every month, clearly marked " apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as " miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there. 
Can they do this? I have called them XXXX to inquire and the customer service representative, both times, has said it is being reviewed.
Product: Credit card or prepaid card

On XXXX I noticed several charges to my Wells Fargo XXXX  XXXX XXXX XXXX with a description of " ONLINE PAYMENT ''. For example a charge of {$52.00} was made on XXXX. I contacted the customer support team at ( XXXX ) XXXX on XXXX at XXXX XXXX  Eastern time to determine what had happened. 

The customer service rep advised that there was a bug in online banking and it was crediting online transfers from my checking accounts to my credit card multiple times in error. She believed the bug had been fixed and the corrections had all posted. 

Later that day more corrections began appearing some with transaction dates going back six weeks before the posting date. For example a " BANK ADJUSTMENT '' of {$87.00} posted on XXXX with a transaction date of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now