23daVinci/CFPB_Complaints huggingface dataset:
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 USC1681 Account XXXX XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX This account is on my credit report twice.. The other account being XXXX XXXX XXXX XXXX XXXXXXXX ORIGINAL Creditor XXXX XXXX. Both accounts are inaccurate with one balance at {$2700.00}. While the other account reads {$2000.00}. XXXX XXXX XXXX XXXX This is not my account. I have never applied for a XXXX XXXX XXXX. Victim of identity Theft. XXXX XXXX XXXX XXXXXXXX original Creditor XXXX XXXX XXXX This is not my account. I have never applied for a XXXXXXXX XXXX XXXX XXXX  Victim of identity theft. XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX I have never applied for a XXXX XXXXXXXX XXXX XXXX Victim of identity Theft. XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX  I have never applied for a XXXX XXXX XXXX XXXX. Victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX i have never applied for a XXXX XXXX XXXX XXXX  Victim of identity theft. I looked at my XXXX  credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information/ ( A ) In generally, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, XXXX and Transunion. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
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 XX/XX/2021. And now we are in the month ofXX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Mortgage

I have a loan through Citibank which was originated in XXXX XXXX. I called in late XXXX XXXX and asked about the processing of removing PMI from the loan. I was advised to fill out a request, set up an appraisal appointment and pay the cost for said appraisal. Once that was completed, I called Citi and verified that the PMI was removed. I recieved a letter in the mail affirming this. In mid XXXX of XXXX, I recieved an updated Escrow statement showing PMI being added back to loan. I called Citi and they said they did not know what happened but they would fix it and a supervisor would call me back. That did not happen. On XXXX XXXX, XXXX I called Citi again and supervisor told me that the PMI should not have been removed since the loan was less than 2 years old and that they were planning to send me a letter to notify me. I asked why that was not explained to me during my call BEFORE I spent money and time on an appraisal and she told me that the associates at Citi can not see how long a loan has been open. They are now saying I have to wait until XXXX XXXX to try and remove the PMI again. I am at 73 % of LTV. I will also add that during my original loan application, I was not notified of this time constraint.
Product: Debt collection

Frontline Asset Strategies has been attempting to collect {$960.00} from me, issued by XXXX XXXX XXXX since XX/XX/XXXX. I have spoken to XXXX  numerous times, who have confirmed I have never owed them this money, as I currently have an account open and in good standing with them. They suggested I dispute the account, which I have multiple times. 

I have also called Frontline Asset Strategies, and was entirely dismissed, as they would not even speak about the debt and only wanted to collect, and I am still receiving numerous and non-stop calls from them daily attempting to collect debt that I do not owe. 

I have also disputed this debt 3 times through XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and it comes back as accurate. XXXX will also not help me and only suggests to continue disputing the debt. 

I feel powerless in this situation, as none of the companies involved are willing to communicate with each other to resolve this issue on my behalf. This is predatory behavior and needs to stop.
Product: Credit card or prepaid card

I purchased the {$500.00} vanilla Visa gift card.The card was stolen in XX/XX/2021 and never used before it was stolen. XX/XX/2021 I try to use this card and find out card balances was stolen. Contact Vanilla for dispute and they told me wait 90days.today they told me : Please see attached. Unfortunately we do not have recovery rights through visa. Per cardholder agreement we can only fund what we can recover. And we were unable to recover any funds through visa. 

Thats unacceptable. Hope you guys can help me. 
Thank you XX/XX/2021 XXXX XXXX XXXX transactions total each amount {$4.00} XX/XX/2021 XXXX XXXX 3 transactions total each amount {$4.00}
Product: Credit card

Received a letter of rejection for credit card from Barclays, XXXX DE, App # XXXX. The letter was sent to my home address with my first name but a different last name. This may be an attempted fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly light of the 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 lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Hello, I fell behind in my mortgage payments ( Shellpoint ) and was given an agreement to make three consecutive payments of {$900.00}. I was working homecare and XXXX ( fall 2019 ) and not able to make all three payments. I was served paperwork indicating I had to pay rears of {$20000.00}. I panicked and filed bankruptcy. Since that time Shellpoint representative ( XXXX XXXX ) have ignored my plee. In an effort to save myself I filed bankruptcy. Attorney XXXX XXXX ( bankruptcy ).
Product: Credit reporting or other personal consumer reports

Transunion keeps sending me documentation stating they can not verify my address. Every time i send in a dispute the XXXX XXXX  with this address request which has nothing to do with my dispute. I have attached XXXX different bank statements with copies of my ID. The show my current and only address that should be on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and US Dept of Education is reporting false negative information on my credit reports in all three bureau 's. I've disputed the situation so many times in the pass, i've asjed them to send me something in writing with my signiture on it to prove that these are my accounts, but I have yet to see something in writing with my signature on it. I don't know anything about these accounts and need them deleted if they if they can not show me something in writing proving that they belong to me because it is destrying my credit and I'm trying to buy a house for my family. So please ask them to send you guys something in writing with my signature on it. If they can not then please have them delete ut from my report like is said to happen by FCRA SECTION 609, 611, ETC. 

THANK YOU
Product: Credit reporting or other personal consumer reports

I am under the impression that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Debt collection

This was a medical debt that was suppose to be billed to Alaska XXXX, and the facility XXXX XXXX XXXX did not send so they sent directly to their collection agency, attached will be proof it is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX which was closed in XX/XX/XXXX. It is being reported as Inactive rather than closed by Experian. I have contacted Experian several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked XXXX on numerous occasions to report the account to Experian as closed which has not occurred.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was made aware in XXXX that there was transactions being made that I was unaware of and never authorized. This has continued to happen and become increasingly more frequent as well as the amounts being transferred. The common source of these payments are all from online gambling or casino sites and transfered from the same account. I tried addressing it with PayPal with NO RESOLUTION!! I have been scammed out THOUSANDS of dollars across multiple accounts. I can't get this to stop! I have made police reports and filed every possible form I know to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted a letter to validate the debt owed as it was not mine, it was illegally placed on my credit and the agency wasnt able to send me any documentation validating I owned the debt, no contracts, promissory notes, no documents. 
One collection agency found the debt to be not valid or verified and removed it from My credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process
Product: Debt collection

My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.
Product: Mortgage

Select Portfolio Servicing Inc XXXX XXXX Mortgage Interest Statement XXXX XXXX 21 Monthly mortgage payment -seeking explanation as to why the principal balance is different from the last monthly mortgage statement -seeking explanation as to why there are so many payment reversals between XXXX and XXXX as shown under " transaction history '' on monthly mortgage statement and customer transaction history XXXX XXXX XXXX Customer Transaction History seeking explanation of reversals and unapplied funds on pg 3 in between XXXX and XXXX XXXX XXXX XXXX Ltr response to SPS
Product: Credit reporting, credit repair services, or other personal consumer reports

A brief summary ; A third party debt collector, National Recovery Agency, texted me stating I owed an alleged debt. I do not know this business. I asked for validation of debt, they mailed in response a reflection on a statement of an extension of credit which was not made to the obligor. I then mailed back a Notice Of Dispute ; XXXX for XXXX and XXXX XXXX XXXX with a self executing contract. 

I Also have proof of the company violating my consumer rights under the Fair Debt Collection Practices Act 15 USC 1692, and The Fair Credit Billing Act 15 USC 1666.

It has been 30 days since my last mailed letter with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act XXXX : ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) BLOOMINGDALE/CITIBANK ( XXXX ) MACYS/CBNA : ( XXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting ACT/
Product: Debt collection

On XXXX XXXX XXXX I received an alert about an account under the name of Aldous and Associates had been created under my credit report. On XXXX XXXX XXXX, I received an alert about a nonmedical collection of {$170.00} to XXXX XXXX XXXX. 

However, under article 809 in the Fair Debt and Collections Act, it is written " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ''. 

Prior to observing the alerts of a new account on my credit report under the name of Aldous and Associates, I received NO " initial communication '' regarding the debt, nor did I receive a " validation of debts '' regarding this collection. I did not receive ANY communication regarding this debt from Aldous and Associates, whether the communication was written, electronic, verbal, or any other possible form of communication. I have not yet received a validation of debt, nor notice of debt, nor information regarding my rights to dispute this debt, nor any other form of communication in regards to this case. 

Therefore, I am writing this complaint in regards to the lack of communication from Aldous and Associates prior to creating and reporting the account to credit reporting agencies.
Product: Checking or savings account

On XX/XX/2022 two transactions were made in XXXX XXXXXXXX XXXX with a tap to pay form of my debit card at an automotive store for {$1000.00} and {$2000.00}. My personal guess is for two visa prepaid cards. Transaction on my bank account show I was in XXXX XXXX at the time and bank will not count transactions as fraud because a deposit for a job for around XXXX was put into my account 3 days prior to the fraudulent activity. Bank of America denied my fraud claim based on them not draining my account even though on the phone I was told it was a repeating pattern and would have continued had I not reported it. It was reported immediately after seeing money taken from my account. There were also 2 other changes for XXXX that the bank had no problem considering fraud and refunding the money.
Product: Credit reporting

I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX County Circuit Court, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX County Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and GLA. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?