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

Experian, Transunion, & Equifax continue to report inaccurate and incomplete information. My name and address is listed incorrectly on my reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX. Any other information is not correct. The credit bureaus claim that the information listed is from creditors but this is not correct. 

1 ) 2 ) Laws 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES | U.S. 
Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) Have 30 days to respond15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) a According to FCRA, any information that is not 100 % correct and current ( e.g. old names and addresses ) from a report must be deleted 15 U.S. Code 1681i - Procedure in case of disputed accuracy | XXXX Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) If it comes back, the bureau has to notify in writing within 5 days that it is going to be put back on your credit report. If they do not ( which they often dont ), they broke the 3 ) law. And, if you have demanded validation prior to that from the supplier of the information ( the collection company ), then they broke the law too. Thats a {$2000.00} minimum judgment in one swift motion. Then, they will have to pay AND remove the tradeline15 U.S. Code 1681i - Procedure in case of disputed accuracy | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( cornell.edu ) ii 4 ) Negative information consumer must be notified 30 days prior or after Fair Credit Reporting Act - Revised XXXX XXXX XXXX XXXX XXXX 5 ) Reasonable procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose | U.S. Code | US Law | XXXX XXXX XXXX XXXX  Institute ( cornell.edu ) 6 ) A third-party can't legally claim to verify anything because they lack first-hand knowledge
Product: Debt collection

National Credit Systems is engaged in willful, diligent and deliberate violations of federal law by attempting to collect this alleged debt and is currently furnishing this inaccurate account to my consumer reports illegally. They have refused to respond to my last CFPB complaint which included my first Affidavit of Truth to them and they did so by deceptively marking it as a duplicate complaint. They might attempt this deceptive tactic once more with this complaint although I have included my newly updated second Affidavit of Truth attached below which they received and signed for on XX/XX/2021. As outlined in my previous two Affidavits of Truth now in their possessions National Credit Systems has broken countless federal laws which I have carefully explained and narrated in those documents. All my remedy demands outlined in these documents are demands and not request as is my right as the federally protected consumer and natural person. This company is currently causing me lots of injury and further delays and illegal actions by them will only worsen this matter for them as I progress through my private administrative process. I advise whoever at National Credit Systems who receives this complaint and second Affidavit of Truth to forward it to your executive leadership and legal team. Your legal team will understand what these documents actually represent and mean. National Credit Systems is delaying and acting like these issues ( their blatant violations of federal laws ) will go away if they stay silent or like they can get away with it. However, as I diligently move through my private administrative process things will only get worse your company in the near future. You have time to resolve all outstanding issues by providing all my outlined remedy demands which includes paying the attached invoice. Again these are all demands and not request as the original creditor, federally protected consumer and natural person pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA and under Title 15 Chapter 41.
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.

Also, I was never disclosed of ALL XXXX of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party under 15 U.S. Code 6802 unless all XXXX disclosures were satisfied but they were not.
Product: Money transfer, virtual currency, or money service

CashApp closed my account stating it was fraud when I had my account for years and even had direct deposit, I had a transaction that I was charged twice for and they refused to give me a refund for one of the transactions stating that I was committing fraud when I had proof to show them otherwise, also I had payments I had disputed and they didnt want to refund me
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the mont of XXXX I received a collection letter from I.C. System giving me 30 days to respond or they would assume that the debt was mine. Prior to them sending me that letter I had no recollection of said account. I wrote to them within the time frame advising this debt was not a debt made by me. I will enclose a copy of the signed certified mail with receipt by the one of the company 's responsible parties. After receiving my written response to the collection letter they still insisted on putting this debt on my credit report, it appeared on my credit report this month on XX/XX/2018. Today I called and when the caller got on the phone she advised me that the call would be monitored, I advised her I was recording my call as well she said that she was not cool with it and she hung up. I called back and got XXXX XXXX on the phone and advised her of the same thing, and she said that she was fine with that so we continued the conversation. I asked her why after I had written contact with them did they still after only 6 days put that derogatory account on my credit reports? She stated she didn't have anything showing that I had written in and I advised her that I had a copy of someone's signature. She then said that their company didn't have any original documentation of proof in their office I would have to contact XXXX directly. I then asked her after receiving the letter why didn't you guys put a temporary hold on this account before just rushing to send it over to the credit bureau. She then stated once more that there was no contact made by me or a letter sent. She started being very rude and told me they don't handle disputes they don't verify information that is all something that the original creditor does. I asked her well if you guys can't verify it then why just put it on someone's credit file. She told me " Look, as I told you before you don't need to be calling my company what you need to be doing is calling XXXX '' We are not the ones that you need to speaking to, you need to be speaking to them and then she hung up. I also contacted XXXX and they told me that I needed to know some password, which I don't know because I didn't make the account. after talking with her she just directed me to contact the collection agency.
Product: Credit card

Citi AAdvantage Mastercard XXXX 1. On XXXX/XXXX/XXXX, Received email from XXXXXXXXXXXX offering a 1.99 % interest rate on new purchases until XXXX/XXXX/XXXX. 
2. Within a week of receiving that email, I clicked on the " enroll today '' button in the email, logged in, accepted offer, and the web site said that I was now enrolled. 
3. Full interest was charged in the XXXX cycle ( 22.24 % ). 
4. XXXX/XXXX/XXXX, called customer service, talked to manager " XXXX in florida ''. She said that they have no record of me even being offered that offer, and that instead, I was already enrolled in a promo that ended in XXXX, that I supposedly enrolled in in XXXX. I told her that I did not enroll in anything in XXXX, and that I only enrolled in the XXXX offer. She asked me to fax the emailed offer to her, and that they would get back to me in 1-2 days. 
5. I faxed a printout of the emailed offer to citicards at the number that XXXX gave me, XXXX, with a complete history of the issue, and with a request to call me ASAP, since I was accumulating daily interest charges that I did n't intend. The receiving fax machine ID 'd itself as " Citicards ''. 
6. XXXX/XXXX/XXXX I called customer service to confirm that they had received the fax and to ask what the status was. They said that they had no record of getting my fax. They said that XXXX was gone for the day and that they would email her. They asked me to re-fax. 
7. XXXX/XXXX/XXXX XXXX pacific, I re-faxed the original fax, and the " fax sent '' confirmation from my first fax.
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 impossible and the tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not neglected to protect consumers, but has also allowed 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, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXX 's actions are reported to have violated XXXXrticle 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXX 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX  - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , Experian, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Debt collection

I started receiving letters and phone calls from Portfolio Recovery Associates in XX/XX/XXXX. I wrote the company to inform it that I did not have debt and to cease contacting me in XX/XX/XXXX. I also informed the company over the phone that it was contacting the incorrect person in XX/XX/XXXX. In XX/XX/XXXX, the calls resumed and the company also calls my wife. I have never had the debt Portfolio Recovery Associates claims I have and my credit report reflects that I do not own the debt I keep receiving calls about.
Product: Credit card or prepaid card

COMENITY BANK canceled some credit card debts in XXXX, and sent 1099 to the IRS for XXXX. The cards were closed, and the transaction ended in XXXX. I have been calling, and writing to them. I never received a reply, and need them to correct it. 

I now owe the IRS close to {$5000.00}, and am a XXXX XXXX  My main income is Social Security, and my rent just went up by {$100.00}. 

I have spent hours on the phone, and was told to get a lawyer. I can not afford to hire an attorney, and don't really need one for this issue. Comenity can fix it, and make a mistake. 

I need COMENITY BANK to resend 1099 to the IRS for XXXX, and NOT XXXX. 

I have the documents to prove the case was settled in XXXX, and not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a number on unauthorized inquiries on my credit report dated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Report # XXXX Dated XX/XX/25 There are XXXX names listed for me and XXXX addresses listed that are incorrect, there must be only XXXX name and XXXX address. 
Names and Name ID listed below XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX Below Are the XXXX addresses that are incorrect : Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Address ID # XXXX Phone Number incorrect : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Dispute : - 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: Debt collection

Im a victim of identity theft someone got my information and used my name and accounts in which I contacted the company right away and they removed the negative items from my credit report and now its back again its not friar to me
Product: Mortgage

My husband and I called our mortgage company Freedom Mortgage to inquire about getting some relief such as a deferment on our mortgage for at least 3 months. The deferment will be put on the back end of the loan. After several attempts, I finally spoke to one of the customer service reps and he stated that the deferment was available to us and that he would send some forms to be filled out in 3-5 business days. They never came so we called back this time asking for the forms so that we can fill them out ( not knowing the forms included 29 pages ). She told us to go  online to fill them out and we will be processed as the deferment. I called back because we couldn't find the forms named Loss Mitigation and then that person ( 3rd Person ) told us that they are not giving the option of DEFERMENT. He then transfers me to the department that handles this situation during this Pandemic and she states that Freedom Mortgage isn't giving people the Deferment option, only  Forbearance option. I stated my concerns and told her that I was upset that I was given false information several times from the customer service reps and that this mortgage company wasn't doing anything to help its customers. Unapologetic about the entire situation, she states that she will pass the information on and that the call was recorded so they will be able to listen and address the concerns I had. Long story comes to an end with no resolution and we have to pay or we will be charged and reported to credit bureaus. Also, the CEO has the nerve to be on the home page addressing the issue like he is really concerned. I think not. I would like this company to properly train their staff and also have a plan in order for this type of situation. 
Freedom Mortgage is absolutley not at the top of my choices and I am looking forward to finding another mortgage company soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from early warning in which it listed banks on my report that I never was associated with XXXX XXXX XXXX is reporting and I would like to get this account removed from Early Warning being that the account is fraudulent.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish information that is accurate and complete. I did not receive the required 21-day prior written notice from the creditor/lender regarding the late payment as mandated by the FCRA. This omission means the late payment entry may not meet the accuracy and completeness requirements. 

I have already attempted to resolve this matter directly with the creditor/lender, but the incorrect entry remains. Therefore, I request that you investigate this dispute and correct or remove the inaccurate late payment entry from my credit report. 

Late payment XXXX XXXX XX/XX/year> Please provide written confirmation of your receipt of this dispute and notify me of the outcome of your investigation. I kindly request the CFPB 's assistance in investigating this matter and ensuring that the erroneous late payment is removed from my credit report.
Product: Credit card or prepaid card

Dear Chase, I am contacting you all in regards to my Chase Credit Business Ink Credit Card ending in XXXX for my company XXXX XXXX XXXX XXXX, XXXX. My previous card associated with this account was stolen and I have put in many disputes. My account was credit on XX/XX/XXXX, XX/XX/XXXX two separate times, and on XX/XX/XXXX, and XX/XX/XXXX twice and I have other disputed transactions pending, however, when I look at my statement balance on my account my statement balance is not reflecting these credits and pending disputes. I understand my current balance will include my entire balance, however, my STATEMENT BALANCE is incorrect and needs to be updated to reflect these credits and pending transactions, therefore, I am requesting that Chase have the proper department review my account and have my statement balance reduced to reflect all credits I have received and currently disputed transactions thats transactions are pending because with my statement balance being incorrect at {$17000.00} as of XX/XX/XXXX when it should be lower is causing my business credit to be reported incorrectly and is causing me to have an incorrect minimum payment, therefore, I am requesting this be updated immediately to reflect the correct information being that my statement balance is lower considering I have received credits on my account and have transactions currently disputed. Please update my statement balance to correctly reflect these disputed because it is currently incorrect and needs to be updated immediately. In the event it is not updated I will have to file suit given Chase is reporting incorrect statement balances.
Product: Credit reporting or other personal consumer reports

This is the follow up request Dated XX/XX/2024. I see that until now I dont receive any responses about information on my credit report which is incorrect. 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 information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid balance to National credit system on XX/XX/28. Was told when making payment that it pulls be removed from credit by after 30 days. Account is still reporting to my credit. Was told account would be removed and report paid in full when I made payment. Please remove!
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please help me to resolve this matter. Just found out on my consumer file that XXXX has furnished a Bankruptcy on my credit file. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not share this information with TransUnion or XXXX the company TransUnion used to furnish the information, which was also done with out my permission. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called XXXX XXXX and TransUnion numerous times and emailed their CEO XXXX XXXX and XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.