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

I have an old credit card account listed on XXXX as " APPLE CARD/GS BANK USA '' listed as " Open '' which is incorrect. The account was closed three to four months ago and I let XXXX know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

XXXX verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called XXXX dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The XXXX representative claims XXXX contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

XXXX is blatantly violating the FCRA by not investigating a dispute that has obvious merit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 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 Zelles failed and Zelles failed to investigate my claim adequately the informed me that recovering lost funds was impossible to track these transactions was unfesible THE CFPB finding that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the System leaving users to scam this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I XXXX XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to XXXX XXXX & Capital One its United States affiliates ( collectively, XXXX XXXX Capital One we, us XXXX our ) I consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using XXXX or Capital One services or websites. 
I recently reviewed a copy of my consumer disclosure and noticed XXXX or Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing information that is to be excluded from a consumer report. 
A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and person making the report. 
XXXX or Capital One is not authorized to collect, use, and share information about financial accounts such as outstanding balances, late payments, loan history and any other highly restricted financial and personal information under the Gramm-Leach Bliley Act ( GLBA )
Product: Debt collection

I received a bill for {$79.00} from XXXX XXXX which I believe I did not owe. I submitted a dispute through my bank and XXXX, which I won as XXXX ended up agreeing to the dispute in my favor. After resolving this dispute, however, I was harassed and called by XXXX nearly every single day for several months requesting this same money that they agreed to drop during my XXXX dispute. They have now sent this to a XXXX XXXX called Sunrise Credit Services. I sent the XXXX XXXX the documentation from my bank showing that this had been settled, and they responded by going back to XXXX who told them to ignore this documentation and continue pursuing me for this money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I paid off my mortgage to my individual lender in the amount of {$53000.00}. My lender uses Chase Bank for their accounts and the payment was processed by them. 
On XX/XX/year>, JP Morgan Chase Bank ( JPMCB ) conducted an illegal " hard ' inquiry into my credit history/report ; presumably, to grant me services that were never requested or authorized by me. 
The actions taken by employees and/or representatives of JPMCB are completely ILLEGAL. 
I find their actions to be disgusting and I am, personally, horrified by their actions.
Product: Credit card or prepaid card

After paying for nearly three years, I got an email from XXXX that would not tell me my balance and minimum. I assumed that it was fake email but when I called the help line the first excuse was a dispute with my previous address and now the line they are telling that I was going to transfer my address, both which is untrue. All I want is to restore my normal email from XXXX explaining me my balance each month. I hoped to pay them off, they have no attempt to resolve the problem or to recognize the problem lies with them. How can pay off a debt if can not be informed of my balance. When I even asked for my balance I had to beg for the information. I filed a complaint with the XXXX XXXX and refused to response. Like I said every attempt to resolve end up a different story each time. I even pay too much to run a report from my bank XXXX to prove that I pay each month on time the minimum amount each time. They seemed to ignore and discredit my problem. No attempt to resolve this problem. XXXX XXXX
Product: Credit reporting

I sent experian credit reporting agency evidence that the mortgage has been paid on time back in XXXX they are refusing to remove it from my credit
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 account listed without my expressed written consent.
Product: Debt collection

Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to GC Services main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The document addresses multiple inaccuracies and unaurthorized reported to the credit bureaus by TransUnion and XXXX. The primary issues include erroneous delinquencies, misleading charge-off statuses, and unverifiable collection entries. These discrepancies violate consumer protection laws under the FCRA and TILA. Each section highlights specific instances of non-compliance, relevant legal precedents, and actionable requests to rectify the errors. The disputes are methodically organized and emphasize legal recourse should the agencies fail to resolve the discrepancies within the stipulated time-frame.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated phone calls from XXXX XXXX to XX/XX/2019. The calls occur twice a day at XXXX and in the afternoon between XXXX. The phone calls come in on different numbers with the same area code that my cell is registered in ( XXXX ). The calls always leave a recorded message claiming " This is HRRG calling. Please return our call XXXX. HRRG is a debt collector and any information obtained will be used during that call. '' I have checked my medical bills and have no outstanding debt. I have blocked several numbers that were used for these calls. The most recent calls came through on numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I've registered my phone number on the national " do not call list '' on XX/XX/2019 and have received phone calls from HRRG since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 or other personal consumer reports

Disputed my account number with XXXX XXXX as reporting inaccurate on my credit report with late payments and inaccurate statement balances. now the account is not reporting at all. I ask the account be re-inserted on my credit report with correct payment history. This card was lost/ stolen and I am not responsible for the {$290.00} balance and the {$40.00} late fee. The account was valid, but the late payments and account balance were incorrect. After disputing this with Experian, the company deleted the account entirely which has adversely affected my credit as now I have no credit history whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


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

I can not have these accounts misreported in my report with erroneous balances XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2024 and XXXX investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late this has caused me a great deal of pain to see the list of my consumer laws that have been violated 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 me you all have broken the law and caused me great harm here are all the laws you have broken 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Ph. XXXX XX/XX/year> cfpb Consumer Financial Protection Bureau Ph. XXXX Subject : Dispute Dear cfpb I hope this letter finds you well. I am writing to formally dispute the [ nature of the issue, e.g., a billing charge, an incorrect transaction, etc. ] on my account. The details of the dispute are as follows Attachment. 
I have reviewed my records and believe the charge/transaction is incorrect. [ Provide any supporting information or evidence you have, such as receipts, statements, etc. ] I kindly request that this matter be investigated and resolved as quickly as possible. If further information is needed from my side, I would be happy to assist. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I agreed to a loan modification on this equity loan which was to start XX/XX/XXXX 2015 with XXXX payments of {$170.00} on the XXXX of the month. I have completed XXXX payments on time only to receive in the mail the XXXX statement indicating the XXXX payment made on their posting account of XXXX/XXXX/15 has increased my previous balance and getting a loan modification has served no purpose other than to collect more funds from me. See attached documents. My understanding with the Bank of America resolution manager was that part of that payment was to go for the principal and part to interest as I inquired before even agreeing to this modification. Instead as you see on this statement they have described the loan modification amount as " cash receipts '' subtracted it from the previous balance of {$100000.00} XXXX which includes the real equity balance of {$98000.00} plus the past due amount of {$6700.00} XXXX then added on a finance charge of {$220.00} bringing it to {$10000000.00} which is more than the previous balance. This is their way of helping customers with a loan modification.
Product: Mortgage

I was charged in {$830.00} for mortgage overage that increases my mortgage {$100.00} a month starting XXXX
Product: Mortgage

Ocwen Mortgage sent a check for {$32000.00} to XXXX County Tax Collector and informed us that we would have to pay it back to Ocwen. In fact, the amount due was only {$5900.00}. Clearly Ocwen did not contact our Tax Collector. Ocwen also ingnored our previous correspondence with them 3 years ago when they tried to do the same thing and we sent them a copy of our Installment Payment Plan with our Tax Collector.
Product: Credit reporting, credit repair services, 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 Account Number:XXXX  Account name : DEPT OF EDUCATION/XXXX Account Number:XXXX Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or 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: Student loan

The monthly student loan payment calculation does not take a borrower 's residence ( city/state ) into consideration. A borrower that lives in XXXX New York will have a different cost of living then a borrower living in XXXX, for example. Although salaries may be higher in cities, high costs of living could leave borrowers with less discretionary income. Considering borrower location would make the monthly study loan payment calculation more reasonable and allow the borrower to have an emergency fund, save for retirement, buy a home, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX