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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX {$920.00} Bankruptcy XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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
Product: Mortgage

I am trying to set up and pay a bi monthly payment plan. i wish to pay in a way that maximises my payments and reduces my interest exposure. i wish to pay bi weekly and have each payment applied timely, not hold it for XXXX weeks until the other payments is made. this tactic they impose allows my balance to remain higher while they hold my payment hostage. 
i offered to make the XXXX payment early, this did not matter to them. 
also, i have had issues in the past with this company. they have transfered my account around to different newrez llc 's and avoided apply payments timely. 
i made additional principle payments that were unapplied for months. 
please help as it seems very unfair to hold funds while charging me interest on the higher balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to solve this for some time now, with XXXX and Experian, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted dispute letters to Experian along with all required documentation, including my driver 's license as proof of identity, proof of address, and my FTC report. While the other credit agencies corrected the errors and acknowledged receipt of my documents, Experian claimed they did not receive my proof of identity and, therefore, refused to process my disputes and add a freeze to my credit report. This failure to properly process my dispute and add a freeze violates my rights under the Fair Credit Reporting Act and XXXX guidelines. Furthermore, their false claim of not receiving my proof of identity prevents me from resolving the inaccuracies on my credit report with Experian. This appears to be part of a larger, ongoing pattern of noncompliance by Experian, as highlighted by recent legal action involving their failure to handle consumer disputes properly. Their refusal to conduct proper investigations under the Fair Credit Reporting Act is causing widespread harm to consumers, not just me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.
Product: Checking or savings account

Citi Bank had a promotional offer offering a {$400.00} cash reward for opening a new checking and savings account with a combined balance of {$15000.00} or more held for more than 60 days. I opened the account in XXXX and immediately deposited over {$15000.00}. I have not made a single withdrawal or transaction since then. I called in XXXX and was told i met all requirements but it would be delayed to XXXX. I called in XXXX and they told me they would open a case. I called again in late XXXX and they told me they would escalate the case. Since then I have called and contacted them via live chat numerous times, and I keep getting the same response : you met all the requirements and are owed the money - we can open another case for you if youd like. Still no resolution 6 months after opening the account! Feels like a scam!
Product: Money transfer, virtual currency, or money service

I filed a complaint on XX/XX/XXXX case number XXXX, XXXX XXXX XXXX, against USAA in reference to a money transfer from XXXX XXXX XXXX XXXX ( XXXX ). USAA responded back to you saying the money was going to be refunded back to XXXX, this was on XX/XX/XXXX. 
Ive attempted to contact USAA ( 16 ) different times and NO one has responded to my calls, Ive spoken to every assistant for the office of the CEO and NO return calls Ive left ( 9 ) messages for XXXX XXXX and XXXX XXXX and have not received one call back. The two listed above are the assigned investigators.

I have requested a written response from USAA on 8 different phone calls and 4 emails and have yet to receive a response I read that USAA was just fined for the same things? 
USAA submitted a response to the CFPB stating the money was to be returned to the XXXX? Was the response just to get CFPB to close the case? 
Does CFPB have and enforcement powers? Or is USAA aloud to get away with sending you a positive response and NOT following through with the customer?
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. XXXX  is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and Transunion are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.
Product: Vehicle loan or lease

I am a plaintiff in the Wells Fargo lawsuit over repossession and I have yet to receive my payment from the company. I was notified I was eligible but have yet to receive payment
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute against XXXX XXXX regarding multiple inaccurate late payment entries on my credit report across Experian, Equifax, and TransUnion for my XXXX XXXX account ending in # XXXX. These erroneous reports have negatively impacted my credit score and financial standing.

Upon reviewing my credit report, I discovered the following discrepancies : 6 incorrect late payments on TransUnion 4 incorrect late payments on Equifax Multiple late payments on Experian ( with supporting evidence attached ) These reports are inaccurate, unverifiable, and must be immediately corrected in compliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2, which requires all furnished credit information to be complete, accurate, and up-to-date. 

Why this dispute is valid : 1. Failure to Provide Proper Notice XXXX XXXX failed to notify me of these alleged delinquencies, which is a violation of consumer rights.

2. Failure to Validate Reporting Amex has not provided any valid proof or billing breakdown confirming that these late payments were legitimate.

3. Processing & Internal Errors My account is now in good standing, meaning these late payments should not exist.

4. Impact on My Financial Standing Due to these false late payments, I have been denied access to credit and unfairly penalized.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that has exposed significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The CFPBs findings highlight that Zelle has not only failed 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. I urge you to address these issues and implement stronger protections for users. 

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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is NOT included on the consumer reports. Transunion is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of metro 2 compliance. PROVIDE me with the metro 2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from consumer reports effective immediately. BEFORE you think you can reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. SOME of the negative accounts have been placed in collection/charge-off status WITHOUT mailing me a copy of the internal revenue service form 1099-C cancellation of debt. TransUnion and the creditors reporting collections/charge-offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Informational Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against All entities involved
Product: Credit card or prepaid card

I am submitting a complaint in regard to XXXX different transactions : XXXX - {$5000.00} on XX/XX/2023, XXXX - {$5000.00} on XX/XX/2023, and XXXX - {$3900.00} on XX/XX/2023. I was defrauded by a XXXX who agreed to do construction work on our property. I sent the payments as requested by the XXXX who has since disappeared and blocked my phone number. I have tried reaching out several times through various means such as email, phone, text message, social media, and showing up to his listed address. I recently discovered that the XXXX has an extensive criminal history and may have done the same thing to other customers. 

I have attempted to submit a dispute for these transactions with Cash App as I didn't receive the services I paid for from this merchant, and have been defrauded. I haven't received any response from Cash App since last week and I keep having my conversation ended by the agents I am speaking to. I have worked very hard to save money to have this project completed and Cash App is allowing it to be stolen from me, and is being very disrespectful during this difficult time. I have offered to provide documentation and I have had phone calls and chat conversations ended abruptly. The company should be embarrassed that they are facilitating fraud at this magnitude. I would like to have the money removed from the XXXX 's account and be reimbursed.
Product: Credit card

I made a credit card payment for XXXX and Synchrony Financial received it on the last day of their XXXX cycle ( I made an early payment ) and they now say I did n't make a XXXX payment at all and they are charging me " late payment '' fees and my minimum payment has gone from {$67.00} to {$160.00}. I have contacted them XXXX times in the last XXXX days and they removed XXXX late fee and said that is all they can do. So my minimum payment went from {$200.00} to {$160.00}. This is all because they received an early payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! 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, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. 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 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. 

XXXX XXXX XXXXXXXX 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as XXXX XXXX and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

LVNV FUNDING LLC HAS AN ILLEGAL JUDGEMENT AGAINST ME IN THE MAGISTRATE COURT OF XXXX COUNTY STATE OF GEORGIA FOR ACCOUNT ( XXXX  XXXX ACCOUNT XXXX ) JUDGEMENT : ( Civil file action no. XXXX ) LVNV FUNDING LLC HAS BEEN REQUESTED TO REMOVE JUDGEMENT IMMEDIATELY, WITH NO RESPONSE TO THE 30 DAY OLD REQUEST.
Product: Mortgage

This complaint is a follow up to complain XXXX originally filed on XX/XX/2020. We feel that Selene Finance did not respond to the original nature of the complaint. On the letter dated XX/XX/2020, Selene Finance requested one additional payment to finalize the trial modification. On XX/XX/2020, we submitted this payment. In Selenes response of the XX/XX/2020, they do not address the issue of the letter dated XX/XX/2020, which requests one payment to finalize the loan modification. In addition, the phone number provided to respond is not the Executive Response Office. It is their main customer service number, which can not provide resolution to this issue. We are requesting a direct number to the Executive Response Office. This is an FHA loan. We have never been offered any of the retention options, such as forbearance, which have been offered to mortgage holders during the current COVID crisis, regardless of their delinquency status As resolution, we request that Selene Finance honor their letter of XX/XX/20 and accept our payment of XX/XX/20 as successful completion of the Trial Modification period.