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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

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

I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items.

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being.

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues.

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA.

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system.

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.
Product: Mortgage

From XX/XX/XXXX until currently I pay no property taxes in Illinois since I am a 20 year retired veteran and 100 % XXXX and have an exemption from IL. I used to pay {$1700.00} until XX/XX/XXXX when XXXX XXXX mortgage started charging me {$1900.00} a month. I was told the increase of {$200.00} was for property taxes in an escrow account they just initiated in XX/XX/XXXX. I have called so many agents at XXXX XXXX XXXX and no one can remedy this problem. This is causing my husband and I great stress as we are both XXXX military veterans.
Product: Credit card or prepaid card

XX/XX/XXXX  credit card declined. The last three times I have used card it was declined but when call company was told there was no problem. When I called today, XX/XX/XXXX , the said they had closed account. The card was in my deceased husband 's name. However, within a week after his death, I took death certificate to bank and they changed name of checking account, savings account, overdraft protection, and another credit card. The account that has been closed showed I presented death certificate but a bank employee failed to complete the necessary process. I have used this card with my name on it for almost 4 years ( his death was  XX/XX/XXXX ). This card had a {$21000.00} limit and {$530.00} in cash rewards. Payments are current and balance is {$1200.00}. They will not even give me the cash rewards as will only issue check in deceased husband 's name. It finally registered why they are doing this when was told they were scrubbing accounts ( after 4 years ). When he mentioned it was not discrimination, then I realized they do not want a   XXXX   year old retired person with that high of a credit limit. My charges made have always been low and payments made. This is obviously age discrimination. At the least, I want my {$530.00} cash rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and original creditor, XXXX XXXX sent letter to credit reporting agency regarding them not having consent to report accounts. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

As the consumer no written instructions were given to report anything on my credit report. No consent is considered Identity Theft. I demand that the following account and inquiries be deleted from my report. Account name XXXX XXXX Account number XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX. Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX, Inquiry XXXX  XXXX  Inquiry Date XX/XX/XXXX
Product: Checking or savings account

I contacted XXXX XXXX on a XXXX payment, seller did not honor contract. Claim # XXXX, and additionally a police report was filed with XXXX XXXX XXXX XXXX XXXX, case # XXXX. Bank of America was notified, did not respond, I have also called Bank of America about this fraud, I have not been reimbursed for the fraud.
Product: Debt collection

This is a repeat issue that is unfairly impacting my credit report In sum, I was priced out of a home and in exchange for the avoidance of further legal issues, I surrendered the keys and moved out. 

The property had my original deposit and if this price is fair -- which I will argue that it is not -- then me and my cats did over XXXX in damage upon our two years living there. WHICH WE DID NOT. 

I notified my company that this debt was in dispute yet it still has not been addressed on my credit report. 

It is not so easy to return from homelessness and chasing of false zombie debt does not help. It, in fact, hinders the consumer.
Product: Credit card or prepaid card

On the morning of XXXX XXXX I called the number on the card to gather my balance and it was {$15.00}!!! I then went on the web page and discovered that, from XX/XX/2019 thru XX/XX/2019, a company named XXXX had fraudulently did 22 cash transactions ( including international purchase fees ) that were debited from my card, two of them were pending ( TOTAL {$400.00} )!! I called the Fraud department at Comerica Bank, reported everything and they will be sending me a new card and a Fraud Packet to be completed by me.I mailed a written letter today that they encouraged me to do and they had also stated that all the transactions were made on the internet. They also said that it will take up to 90-days to complete the investigation yet I need to pay my bills!! Someone or something committed FRAUD and IDENTITY THEFT on me!! HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX 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: Checking or savings account

I deposited my paycheck yesterday and they told me my funds would be availble today, but i am negative {$14.00} now and I called them, they can't release my money and now are telling me my funds won't be available until XX/XX/XXXX. I threatened to sue them and they said for my lawyer to call them and they'd transfer them to their legal team from there. I am freaking out and looking for ways online to get money because i have to get my belongings out of this apartment as I have been service forced detainer of eviction paperwork. I even told the banker because of this hold non sense my son and I are forced to be evicted and are in a homeless situation. They didn't care or even try to release my money to me. Why can other banks do release on holds of even the CEO of bank of american won't. I am very upset and in a bad situation.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I owed a balance of XXXX to Capital One Bank. I paid the account off XX/XX/XXXX. Received a letter dated XX/XX/XXXX stating the account was closed. I called Capital One on XX/XX/XXXX to ensure they reported this updated information to XXXX XXXX XXXX, the customer service rep with capital one stated they did, but I could reach out to XXXX XXXX XXXX  to ensure it was done. Well, it hasn't been reported correctly at all. Companies stated still shows that I owe XXXX, but the account was closed. I filed a dispute with the XXXX regarding this matter. In my letter from Capital One they didn't state I paid the account off, only that the account was closed. Which I thought was odd.
Product: Credit reporting or other personal consumer reports

When I checked again my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : DPT EDXXXXXXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Credit reporting or other personal consumer reports

Failure of XXXX, XXXX, and Equifax to block information under 15 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of XXXX, XXXX, and Equifax wit

h the provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. Regarding the following ID Complaint Numbers, as stated in my earlier email to the
Consumer Financial Protection Bureau on XX/XX/2024 ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since XXXX, XXXX, and Equifax have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by XXXX, XXXX, and Equifax. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Inaccurate AmeriFinancial Solutions account reported on my XXXX credit report. Account was opened on XX/XX/2021 in the amount of {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account On Credit reprt is to old to be On my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been authorizing 'Soft Inquiries ' on my account to sell my information to 3rd party lending companies despite being registered on the do-not-contact/opt-out permanent listing for the last two years. This is in direct violation of the FCRA. Experian offers no mechanism through their web site to dispute these 'Soft Inquiries ' and confirm your status on the permanent opt-out listing ( already confirmed with the two other credit reporting agencies ). However, Experian 's violation was confirmed through their online dispute process by showing the vast number of these 'Soft Inquiries ' that were actioned against my credit report.
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 Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 filling a compliment against Cash App ( Block , Inc. ) due to and inadequate customer service, and unfair practice, which violates the Consumers Financial Protection Act ( CFPA ). Specifically Cash App fell to take timely and effective measures to address and prevent fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error and resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I was denied access to my principal 's credit for no reason and received no consideration for the application.
Product: Checking or savings account

Someone skimmed my card and started withdrawing funds from multiple ATM machines over two days. On XX/XX/XXXX Twice at a store in XXXX for {$100.00} each and then in XX/XX/XXXX twice again at a Bank XXXX XXXX ATM one for {$180.00} and a second one for {$200.00}. I filled a claim for fraud and it was denied stating that they found no error but I clearly told them it was fraud.
Product: Checking or savings account

I received a wire transfer to my account back in XX/XX/year> and citizen back has had my funds on hold since then. They sent me a new card and said they took the hold off my account and I still have not been able to access my funds in the account but I am getting bank statements in the mail every month with Citizen bank taking {$12.00} Fee 's out every month but I don't have access to my funds but they do and will not reimburse me for all the fees they have taken out as well as not allow me to remove my money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Fed loans that have been paid and closed are reporting outdated information. I sent a request on XXXX/XXXX/2022 to remove the outdated XXXX year history - its over XXXX YEARS OLD. 

I got a response that it was " verified '' - It may be verified but its outdated and needs to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

Fraudulent Debt : XXXX XXXX Opened XX/XX/XXXX {$26000.00} My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Delete immediately
Product: Credit reporting or other personal consumer reports

This account was open more that 7 years ago and needs to be deleted off report XXXX XXXX account number XXXX. XXXX XXXX told me to reach out to the credit agency for deletion