23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from a collections company for rent I owed at an apartment building in XXXX Oregon from XX/XX/XXXX, XXXX XXXX, XXXX. I have not lived in XXXX since XXXX. I have not visited since my best friend 's baby was born 3 years ago. XXXX XXXX XXXX is the company that contacted me and they have not sent me the fraud packet as they have said they would twice now. There has been no follow up action by the apartment or the collectors
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX XXXXXXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Charge off account Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized charge off account that appear on my credit report. I did not authorize these charge off account and I am requesting that they be removed immediately. 

REMOVE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Date XXXX XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these charge off account are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized accounts and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized charge off account highlighted for your reference. Please notify me in writing once the accounts have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

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

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO HUMAN TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$2500.00}, XXXX XXXX, XXXX XXXXXXXX XXXX {$0.00}, XXXX {$66.00}, XXXX {$660.00}, XXXX XXXXXXXX XXXX XXXX {$120.00}XXXX XXXX XXXX {$670.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding 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 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 transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumer but has also allowed repeated offenders to exploit the system. Leaving us the users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

On  XXXX   XXXX    XXXX   I did a search for a  XXXX  phone number and selected  XXXX  and dialed  XXXX . I was connected to a representative who introduced himself as  XXXX  and asked if I was calling about my  XXXX  loans. Throughout the call he miss represented himself as a  XXXX  associate. He had access to my student loan information and recommended that I consolidated my loans to get  XXXX  low payment. He then transferred the call to another person by stating that the consolidation is handled by a third party company called  Timemark Solutions.  I unknowingly agreed to the terms because I thought  XXXX  was a   XXXX    representative and that  Timemark Solutions  was affiliated with  XXXX .   I discovered several days later that  XXXX  was actually working for  Timemark Solutions  and was lieing to me the whole time. I called Timemark Solutions to cancel the service and explained to them what happened and why I signed up. They simply said that they already submitted the request for payment in the amount of { XXXX } and their was no refund. They further revealed the terms of the agreement was for a total of { XXXX } and that non of that money would go towards my loans. I told them I was told nothing about being charged { XXXX } for something I could have done for free.
Product: Credit reporting or other personal consumer reports

" 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-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for XXXX XXXX XXXXXXXX to cure the errors. However, they have been unwilling to fix these errors. 

See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of a bankruptcy record that is being reported by XXXX, XXXX, Equifax, and XXXX on my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure the removal of this erroneous information from my credit file. Additionally, I would like to emphasize the importance of consumers ' right to privacy, as guaranteed by the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( USC ).

Under 15 USC 1681 ( a ) ( 4 ), it is explicitly stated that " there is a need to ensure that Consumer Reporting Agencies ( CRAs ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' I firmly believe that the reporting of my bankruptcy information violates this fundamental right to privacy. Contrary to the claim that bankruptcy records are public information, I contend that consumers have an inherent right to privacy with regard to their financial matters. 

Furthermore, as per the provisions outlined in 15 USC 1681i ( b ) ( iii ), the investigation conducted by the CRAs should not include factual information but rather be limited to the mention of the consumers ' character, general reputation, characteristics, or mode of living, as specified in 15 USC 1681a ( e ). Therefore, any investigation or findings by the CRA regarding the accuracy and completeness of bankruptcy information should adhere to these guidelines. 

In light of the aforementioned legal provisions, I request the following actions to be taken : A thorough investigation of the accuracy of the reported bankruptcy information. 
Verification of the procedure used by XXXX, XXXX, Equifax, and XXXX to determine the accuracy and completeness of the information. 
Disclosure of the business name, address, and telephone number of any furnisher of information contacted in connection with this bankruptcy record. 
Removal of the erroneous bankruptcy information from my credit file and all associated credit reports. 
Notification of the outcome of the investigation and the actions taken to rectify this situation. 
I appreciate your prompt attention to this matter and expect a timely resolution. Please be advised that failure to comply with the provisions of the FCRA and USC may result in legal action being taken against the reporting entity. I trust that the CFPB will act diligently to ensure that consumers ' rights are protected and that accurate information is reflected in their credit reports. 

Enclosed with this letter are copies of relevant supporting documents, including my credit report showing the disputed bankruptcy record. Please let me know if you require any additional information or documentation to proceed with the investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX of XXXX we sent in a letter requesting hardship due to XXXX medical bills. Our mortgage was instantly sold to BSI financial. Our XXXX statement from BSI shows a fee of {$120.00} with no explaination. Also a 90 day insurance binder of {$1200.00} was added to our mortgage even though the previous servicer paid our home owners insurance out of escrow on XXXX XXXX, XXXX. They are giving us no answers and will not tell us if our insurance declaration has been received. Also upon calling them regarding the insurance they say they do not have our account even though they sent us the letter. I feel they know our hardship and are trying to raise or mortgage payment thru escrow manipulation so we default.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is illegally reporting inaccurate information about me. They are reporting that I have an account with XXXX XXXX XXXX that is open and with a past due balance of {$580.00}. This is a violation of FCRA and is in violation of requisite METRO2 compliant reporting standards.
Product: Credit reporting or other personal consumer reports

I disputed these accounts with Transunion because the collection agency/creditor were unable to provide the requested information needed for debt validation for these alleged debts. Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for these accounts which is negatively affecting my creditworthiness. Transunion completed their investigation, and the end results were that these accounts were " verified as accurate ''. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Pursuant to the FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion is required to send me documentation of the procedure used within 5 business days of the completed investigation for determining the accuracy and completeness.

*What certified documents were reviewed to conclude your investigation?

* Who did Transunion speak or interview regarding this account - employee name and time?

*What was the date and time of this conversation and how long did the conversation last?

*What number did you call?

*How did you come to this determination that these accounts were " verified as accurate? 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Per the FCRA, you are REQUIRED to provide this information within 15 days or delete the negative accounts from my credit report.
Product: Student loan

This is in addendum to the other complaint on file. I have asked over and over for a copy of the mpn on said private loan. I finally received it after two weeks. When I received it -- the signature page was so smudged-all important portions were blocked out so i ca n't tell the signatures or phone numbers. I was referred to a bank that supposedly had the loan and they found no records. also, the school that was tied to the loan ( XXXX ) is on the mpn as being XX/XX/XXXX and on the aes website it reflects XX/XX/XXXX. I am getting so tired of these numerous factors which my be incorrect or fraudelent. Pay history does n't match -- all banks or companies do n't have any information to reflect i owe this debt. what gives?????????????
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law. 

They also have the same account listed twice.
Product: Debt collection

I wasnt noticed by either XXXX XXXX  or Calvary portfolio of my account been sent to collection XXXX XXXX  closed my account sold it to third party and now they are telling me I need to speak with them but why would my account be open I have never sing a paper for my account to be open I request for this to be close immediately and removed from my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that XXXX XXXX XXXX must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost. 

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, XXXX XXXX Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : Bureau : TransUnion Creditor XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed reported as XXXX Last Verified reported as XX/XX/XXXX Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 150 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX XXXX seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to XXXX XXXX XXXX XXXX - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report. 

XXXX thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to file a formal complaint under the provisions of the Fair Credit Reporting Act ( FCRA ) regarding the inclusion of two erroneous accounts on my credit report, which directly contravenes my federally protected consumer rights to privacy and confidentiality as outlined in 15 U.S.C. 1681. 

The following accounts have been inaccurately listed on my credit report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX These entries directly violate the FCRA in several key aspects : 15 U.S.C 1681 section 602 A : This section explicitly guarantees my right to privacy, which has been infringed upon by the inclusion of unauthorized accounts on my credit report. 

15 U.S.C 1681 section 604 A, Section 2 : This provision stipulates that a consumer reporting agency can not furnish an account without my written instruction. I have neither provided consent nor authorized the inclusion of these accounts on my credit report. 

15 U.S.C. 1681c : This section prohibits consumer reporting agencies from including any adverse information, except for certain exceptions such as records of convictions of crimes which antedate the report by more than seven years. The inclusion of the aforementioned accounts is in direct violation of this provision. 

15 U.S.C. 1681s-2 : This section mandates that information furnished to consumer reporting agencies must be accurate, and any entity reporting information must not do so if they know or have reasonable cause to believe that the information is inaccurate. The inclusion of these erroneous accounts demonstrates a failure to comply with this requirement. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Since XX/XX/2024, Citi credit cards third-party payment processor no longer accepts electronic payments over a certain threshold ( Citi describes it as $ XXXX ), requiring customers using bill pay to have their bank issue paper checks and mail them to Citis processor. This has resulted in a delay of as much as 10 days between XXXX XXXX and credit to Citi credit card on the largest account payments, resulting in incalculable interest charges. Citi says policy can not be reversed since it is third partys, but offers ways to pay through Citi website.
Product: Credit reporting or other personal consumer reports

I was took to court by a rental company, I had a protection order so I had a legal right to break my lease. They took me to court XX/XX/24 the judge was supposed to schedule another court date to determine if I would owe or not the rental company decided to say I owe {$3000.00} and submitted it on my rental history. We have not been to court yet to resolve this they have sold my information to hunter warfield. I would like it removed off my tenant history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. 
Below is the email that I sent to XXXX on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. 
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account. 

1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account. 

Please feel free to contact me with any questions. 

Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!