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

LexisNexis has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification.

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus, as well as another letter indicating they did not and would not confirm nor verify any information to a credit bureau. 

Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting  information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.
Product: Debt collection

I found out last week on XX/XX/14 that I was supposedly past due on an amount of {$170.00} I thought I called and fixed this issue but today at XXXX my mother called me to tell me they are currently harassing her. Please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : XXXX ) XXXX XXXX, XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX  account : XXXX ) XXXX XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX  : XXXX ( Delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.
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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment on my credit report on XXXX of XXXX. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The major threXXXX credit reporting agencies is not abiding by the rules and laws within the FCRA. These three major credit bureaus are constantly reporting unverified and unauthorized accounts inwhich is unconstitutional. I have requested the Method Of Verification used in previous investigations but did not receive any response from either of the 3 credit reporting agencies. My identity has been compromised and accounts has been opened and closed in my name. I have no contracts with any of these corporations inwhich the 3 major reporting agencies are reporting. I'm now demanding that this accounts be blocked from my credit data immediately. And if these accounts are not blocked / removed accordingly then I will file suit as of my rights as a consumer. Please block these fraudulently opened and unauthorized accounts, account # 1 ( XXXX XXXX XXXX ) account # 2 ( XXXX XXXX XXXX {$400.00} ) account # 3 ( XXXX XXXX {$4100.00} ) account # 4 ( XXXX XXXX XXXX {$0.00} ) account # 5 ( XXXX XXXX  XXXX XXXX {$31000.00} ) account 6 ( XXXX XXXX XXXX {$500.00} ) account 7 ( XXXX XXXX  {$870.00} ) account 8 ( XXXX XXXX XXXX {$1200.00} ), account 9 ( XXXX XXXX  {$7300.00} ), account 10 ( XXXX XXXX {$8300.00} ), account 11 ( XXXX XXXX {$8000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second request. Please remove them. I am not a credit repair company nor a mortgage company.
Product: Credit reporting or other personal consumer reports

after pulling my credit report i noticed that synchrony bank has " charged off '' my account, but still reporting the account to all 3 credit agencies. after numerous attempts they finally sent me a 1099c for. i have asked for them to remove it from my credit report since the debt has been cancelled and its earn income for me to claim.
Product: Mortgage

Last year we completed a loan modification with Mr. Cooper. Prior to the loan modification we would receive usually 1-2 calls a week regarding when we would be making our payment. We weren't late, they just called to find out when to expect payment. Since we completed the loan modification we are now receiving 1-4 calls per day Monday thru Saturday starting as early as XXXX : XXXX. I have asked them to not call as frequently as I am still not late with the monthly payment, but they continue to call 1-4 times daily. I have a record of their calls from my home phone that I have placed on a spread sheet to show day, time and phone number of caller. It isn't usually the same person, calling it varies. These calls continue until I finally make the payment usually around the XXXX of the month. Still not late until the XXXX of the month. Is it legal for them to call us 1-4 times per day asking when to expect payment?
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving XXXX and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately 147 million XXXX. XXXX XXXX XXXXXXXX data breach was equally egregious, compromising the personal data of over 100 million individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable.

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of XXXX and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices.

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches.

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence.

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence.

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Debt collection

Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and protective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX
Product: Mortgage

I suffered a total fire loss on XX/XX/XXXX which burned down my home, our vehicles and everything I've ever owned. 

My property insurance company made a first claim payment of {$100000.00} which was recieved into restricted escrow at XXXXXXXX XXXX 

XXXX XXXX  released XXXX {$49000.00} to initiate the rebuild to my contractor. 

XX/XX/XXXX my mortgage was transferred to XXXXService Mac, LLC XXXXServiceMac has a Loss Draft Dept. that is suppose to service this escrow but did not receive any of the documents or records associated with it and required me to resubmit and verify my loss, half way through rebuiling my home in XX/XX/XXXX ServiceMac can not account for the restricted escrow which should still have ~ {$58000.00} A second insurance payment was made in the amount of ~ {$56000.00} There should be a total of XXXX {$110000.00} in this account but the automated system and requests for written accounting all show {$00.00} dollars. 

I have contact XXXX Customer Service department 8 times over a 10 week period to complain yet XXXX claims they have no oversight of the Loss Draft Department and will not therefore mediate my complaint. 

ServiceMac will not communicate what they require of me when documents are not sufficient or include unknow errors. 
ServiceMac will not explain the minutia of errors even after receiving 4 iterations of the so called errroneous documents ServiceMac has never called, written nor emailed a single piece of communication concerning my restricted escrow, my claim nor any updates on status. 
ServiceMac has not conducted an inspection ServiceMac still has not accounted for the entire restriced escrow ServiceMac has been disrespectfully of my family being without a home in that as of XX/XX/XXXX they will not exercise expediency in resolving my request to pay my contractor nor make a written accounting of the escrow funds they hold for my loss.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate XXXX  XXXX XXXX  record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This XXXX  entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Product: Debt collection

XX/XX/XXXX i see in my credit score XXXX report me deliquent account, i di n't get email or something about that i 'm still owe {$300.00} pbecause termination but its okay so they give to ic system debt collection, i got letter from ic systemXX/XX/XXXX, and i pay right awayXX/XX/XXXXand ic system sent me letter i did n't owe anything else, but in my credit score i still owe them {$300.00}, they did n't report or what?? they take my money from debot cardXX/XX/XXXX,  can somebody help me thx because my credit score keep going down
Product: Debt collection

Medical Revenue Services  has been calling me on my personal number and at my work number several times a day. This is for a medical bill to  XXXX   XXXX   XXXX  for {$1200.00} that I am paying directly to the original creditor, I 'm making a monthly payment on a couple different bills and this is  one  of the ones lumped in to the payment.  <P/><P/>  MRS was  rude, after I asked them to not call me at work because my employer does n't allow it. She got mean and nasty and started yelling at me. Told me they would take me to court. These people are ridiculous. Would n't give me any information, pushed that I pay them in full immediately. When I told her I was paying the original creditor, she said I was lying and they would n't have sent the debt to them if it was n't valid. When I told her that I was n't going to pay her she said fine, we have been reporting on your credit report, and will continue to do so and hung up.
Product: Debt collection

Netpay advance customer service has called me trying to collect a debt that was not due and has drafted and given out my information to third party companys without my agreement or consent. I was contacted today and had to record the debt collector at XXXXXX/XX/XXXXXX/XX/2020 from them trying to illegally collect money and try to draft my checking account that I have a case report for XXXX this month and Netpay Advance had to refund me after they drafted a full loan pay off not agreed to and I filed this complaint after their company workers have called me to scam and illegal draft again explaining that I am past due and broke payment arrangement. I am attaching proof that this company need to be reported for harassment after asking for my identity information decided to pretend that their was never any arrangement and I have proof if they reply to the stated one explain that was changed after a collection employee with Netpay tried to charge unaffordable amount due monthly and their Supervisor lowered the payment due on XXXX that XXXX tried to scam me into paying when I am being harassed to pay his agreement and it was changed from over XXXX dollars due and I have proof when the Netpay Advance accuse me of not having the agreement changed proof. The calls were blackmailing and harassing and I have proof that this company should be sued and my account be credited for their threatening debt calls to collect from consumers with their false accusations to collect and their demanding when the account is not past due and the consumer not due to be contacted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX : {$2500.00}
Product: Credit reporting or other personal consumer reports

XXXX has a closed credit card account on my credit report. The account was not created by me. The account was opened due to identity theft. I have asked XXXX to remove the account from my credit report with all XXXX credit buraeus due to identity theft however XXXX has not removed the account. The balance is over XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report indicating late payments that dont reflect my history. Please fix them.
Product: Credit reporting or other personal consumer reports

This collection was open in 2017 and has been closed and removed and they are reporting it back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on Equifax they have my birthday set as XXXX witch I was born in XXXX