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

Dear CFPB, My name is XXXX XXXX XXXX XXXX and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from XXXX XXXX XXXX XXXX XXXX XXXX. and it is showing on my credit report without my consent. I have no contract with XXXX XXXX XXXX XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails 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 any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX  days and I have yet to receive and update for removal from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to report unauthorized access to my Cash App account, likely through the use of a blocked program, resulting in fraudulent activity. Despite multiple attempts to resolve the issue, no satisfactory solution has been provided. 

This is a clear violation of my consumer rights under the Consumer Financial Protection Act ( CFPA ), which prohibits unfair practices, as well as the Electronic Fund Transfer Act ( EFTA ), which mandates proper handling of unauthorized transactions.

I request an immediate investigation, a full refund for unauthorized transactions, and assurance that my account will be secured. I expect this matter to be addressed in compliance with CFPA and EFTA guidelines.
Product: Student loan

XX/XX/2020 NELNET XXXX. XXXX  XXXX Re : ( Student Loan Debt ) Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2020, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/XXXX XXXX
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 : XXXX XXXX XXXX : # XXXX Account : DEPTEDXXXX : # XXXX Account DEPTEDXXXX XXXX XXXX XXXXXXXX Account : XXXX : # XXXX 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. 

I have already submitted several complaints through XXXX, Experian, and XXXX and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the XXXX. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
Department of XXXX XXXX different dates in which account was open across XXXX, XXXX, and Experian. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.
Product: Mortgage

I am following up on my original complaint, # XXXX. The lender asked for some time to research the complaint and contact me with their findings. It has been 30 days since our last communication. I don't want my credit hit with negative reporting while waiting for a reply.

As stated in the previous complaint, I have a first mortgage that holds an escrow and pays my property taxes. This mortgage should have been in the second position and forgiven going back to early 2000, s.

Please contact me with an update in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company shows a debt of {$220.00}. All fees and balances were paid on time.
Product: Credit card or prepaid card

Amex pulled funds repeatedly from my account for a payment, even after I processed the payment manually myself. They additionally charged me a late fee. I wasted 30+ mins with a chat rep on XX/XX/XXXX, trying to get them to stop pulling funds from my bank because my bank is charging me fees for so many transactions. Attached document shows the bank fee and the number of times they have pulled the {$72.00}. 

Their system can not recognize that multiple credits have already been posted to the account. They need to revamp their system to instill some basic checks and intelligence and train their reps to not waste customers time by providing accurate information. The Chat rep could not help me but kept me on hold trying to check on things and then finally said that I had to call the fraud line. It looks like no one monitors that #. After being on hold for 45 mins, I hung up. 

So, I called the regular customer service # on XX/XX/XXXX. Amex used to be an institution with educated, polite reps. Unfortunately, no more. Their system does not work and when I called it that, the rep hung up after I was on hold for 30 mins to speak to her. 
Pathetic customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a deed and mortgage with my ex-husband. He was court-ordered in XX/XX/XXXX, per our final divorce order to maintain mortgage payments or sell the marital residence. He has not made payments on the mortgage, and is illegally utilizing the CARES ACT for relief from paying on the mortgage. He has been unable to pay the mortgage and/or refinance it since XX/XX/XXXX, and is now taking advantage of a pandemic to keep from paying the mortgage. He also falsifies his income on the refinance applications. In the meantime, since XX/XX/XXXX, he has repainted the marital residence, which is almost 5,000 square feet if you include the finished basement, he has completely refloored the entire home, resurfaced the in-ground pool and added a salination filtration system for the pool and filed a false claim with our insurance company to get the roof replaced. Not to mention his purchase of three new golf carts and two new jet skiis. He gets a retirement from the XXXX XXXX, XXXX and receives rental income from whomever lives in his home, a rental property located on XXXX XXXX. in XXXX County, VA, a rental property on XXXX XXXX XXXX in XXXX County, VA, a XXXX  stipend from XXXX XXXX XXXX  XXXX  and he owns a XXXX, XXXX, XXXX -- according to XXXX XXXX XXXX earns $ XXXXyr. I am abhorred that he is deceiving our mortgage and insurance companies using a Federal program to evade paying the mortgage, and I'm terrified that I will be included in the scandal when he gets caught. I have sought relief through the XXXX County Circuit Court, but the Judge has refused my requests. I have notified our mortgage holder, JP Morgan Chase and its attorneys at XXXX XXXX XXXX, XXXX, and no action has been taken. I have also filed a claim with http : XXXX and no action has been taken. Please help.
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 U.S.C. 1681. 
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 

I told XXXX, XXXX, and TransUnion to reinvestigate these accounts listed above. However they stated everything was complete, and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

15U.S.C 1681s-2 ( A ) ( I ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe the information is inaccurate.
Product: Debt collection

1st account : opened on XX/XX/2014. account was paid in full ( {$53.00} ), spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

2nd account : opened on XX/XX/XXXX. account was paid in full ( {$260.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

3rd account : opened on XX/XX/XXXX : account was paid in full ( {$170.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX TRANSUNION is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. TRANSUNION has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. TRANSUNION has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. TRANSUNION was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXXXXXX and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. TRANSUNION performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. TRANSUNION is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. TRANSUNION is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. TRANSUNION is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. TRANSUNION has been put on NOTICE AND IT HAS BEEN XXXX DAYS AND TRANSUNION HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.
Product: Debt collection

XX/XX/XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : PORTFOLIO RECOVERY XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Account # : XXXX Dear PORTFOLIO RECOVERY, I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided.

None of the above were provided to me.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and XXXX XXXX XXXX ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation. 
_____________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report . My latest credit report shows XXXX XXXX XXXX credit inquiry/inquiries that I did not authorize.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the 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 my lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings that Zelle has not only neglected to support 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 expresses serious concerns and consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seen fraud inquires on my credit report that I did not do and sign up for
Product: Debt collection

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to express my dissatisfaction regarding the handling of my previous complaint against NCA ( National Credit Adjusters ), which I filed with your agency. I believe my complaint has not been thoroughly investigated, and I kindly request that you reopen the case and review all the documentation I have provided. 

On XX/XX/2023, I submitted a complaint to the Consumer Financial Protection Bureau regarding NCA 's practices. Specifically, I raised concerns about the documentation provided by NCA, which I found to be unsubstantiated and not in line with my requests. Despite my efforts to address this matter, it appears that my complaint has not been taken seriously by your agency. 

In response to the lack of progress from the CFPB, I have taken additional steps to address this issue. I have filed a complaint with the Illinois Office of the Attorney General, seeking their assistance in investigating the actions of this debt buyer. I believe their involvement will help shed light on the matter and ensure a fair resolution. 

I kindly request that you reconsider my complaint and conduct a thorough review of the documentation I have previously provided. It is my sincere hope that by doing so, you will gain a more accurate understanding of the situation at hand and take appropriate action. 

I have attached copies of all relevant documentation to this letter for your reference. Please review these materials carefully as they provide evidence to support my claims. I trust that by examining the evidence, you will recognize the significance of this matter and act accordingly. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution of this issue. 

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

Name : XXXX XXXX Address : XXXX, Ga XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 

From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX, XXXX XXXXXXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX my credit report and all remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove this account from my credit report. I have provided federal laws and as a federally protected consumer, I expect this be handled accordingly. 


Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've tried for several days now to get funds sent to me do to an emergency, and all I'm told is they're working on it and will update as it progresses. Nothing has been fixed, no communication on what's going on. Least of all what the problem is
Product: Checking or savings account

I received several emails regarding the opening of a new Bank Of America account. The account was opened using my information but a different phone number. This account is not mine. I do have a checking account for my son. Bank of America could have done a better job of verifying my identity. The phone number does not match. 

The phone number for the person committing the fraud : XXXX XXXX  XXXX XXXX  ending in XXXX
Product: Credit card or prepaid card

My letter of XX/XX/XXXX sent to Citibank via both USPS and email has gone unanswered. I find Citibank 's complete lack of response unacceptable and therefore have instituted a complaint through the Consumer Finance Department. 

My letter ( attached ) clearly states that Citibank does not properly report my account history to any credit reporting agency. In fact, Citibank has been using my credit history ( FICO score ) to modify my credit limit, while at the same time failing to report my spotless credit history with Citibank. I say spotless, because since XXXX, there has never been a missed payment. There are no late payments to report. Spotless, but Citibank is not reporting it to my credit history with social security ending in ****.