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

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a notice that I needed to provide information to lift a restriction on my account and was informed that after more than XXXX  years of business with Chase, my account has been closed without prior notice and I will not be allowed to open a new one. They had clarified that it was NOT due to fraud, but their only reason for closing my account is that they " can not maintain the account anymore. '' I use this account to pay all of my bills and they have provided absolutely NO prior communication regarding my account. I always maintain a balance and have never engaged in any fraudulent activities. This is a terrible way to treat their long term customers!!
Product: Credit reporting or other personal consumer reports

Account XXXX account # XXXX  has been reported fraudulently to XXXX as " Discharged in Bankruptcy '' and was in " good standing. Obviously, XXXX is wrong ; if it had been " Discharged in XXXX  XXXX Bankruptcy, '' the account would not be on my report. The company XXXX XXXX also reported other direct contradictory information to Equifax and XXXX fraudulently. I respectfully request Equifax and XXXX delete this negative account, as well as XXXX given the contradicting, substantial information the company is incapable of providing accurate documentation. XXXX obviously will.
Product: Credit reporting or other personal consumer reports

l came across the CFPB XXXX lawsuit l feel l was negatively impacted by TRANSUNION, hurting my chances at credit after receiving a response to my earlier dispute that the account were ''verified '' But l don't see any details about your investigation
Product: Debt collection

XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened XXXX XXXXXX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff- XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} -Chargeoff- TransUnion XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff -
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and disputed this information several times with XXXX  and they haven't been able to physically provide me with copies of my requests. All I have gotten is a message stating it was verified. This is in regards to a collections account with SUNRISE CREDIT SERVICES 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease
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. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXXXXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX amount {$170.00}. 
Fair Collections and Out, Original Creditor : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  {$170.00}. 
Dept of EDUXXXX XXXX {$4000.00}. 
Dept of EDUXXXX XXXX {$8900.00}. 
Dept of EDUXXXX XXXX {$3000.00}. 
Dept of EDUXXXX XXXX {$4200.00}. 
Dept of EDUXXXX XXXX {$1700.00}. 
XXXX amount {$100.00}. 
XXXX XXXX XXXXXXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXXXXXX XXXX XXXX amount {$510.00}. 
XXXX XXXXXXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

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

15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY COMPLAINED ABOUT XXXX XXXX REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.
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 claim adequately. they informed me that r3ecovering lost funds was impossible and that tracking these transactions are unfeasible The CFPB 's findings indicate that Zelle has not only neglected to protected consumer but also allowed repeat XXXX 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

On XX/XX/2023 I received an email from Netcredit stating that the loan that I applied recently was not approved. I immediately contacted Netcredit and spoke with a representative by the name of XXXX. She stated that the only way that I can have this fraudulent information removed from my credit report was to get a police report. 

I don't feel that I need a police report because I verified all my information with Netcredit that I did not apply for a loan. I also stated to the representative that I would be reaching out to the Consumer Credit agency and the XXXX XXXX XXXX
Product: Student loan

On XXXX XXXX, XXXX my student loan balance with Navient jumped from {$71000.00} to XXXX with no explanation. I believe there is either an error or they are charging me excessive fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX ) XXXXBalance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$700.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd complain to same matter. my previous complain number XXXX where XXXX XXXX  accepted that error occurred anf they fixed it on XXXX XXXX but issue is not fixed and XXXX  XXXX  is not giving me loan based on same issue. 

If issue is resolved then give me loan please? XXXX XXXX  or XXXX XXXX should give me loan immediately as both are responsible for my credit mess and XXXX  XXXX  accepted fault. But XXXX  XXXX  always lie on this portal and run away from situation. 
I am attaching XXXX XXXX letter where XXXX XXXX has said they never reported late payment in complain # XXXX where XXXX XXXX never reported late payment then how Transunion report shows late payment. who is lying Transunion or XXXX XXXX I have been been telling in all complain that XXXX XXXX is lying. 
SO  either Transunion is lying or XXXX XXXX is lying because my credit report says late payment and no one giving me loan including XXXX XXXX, XXXX XXXX. I am attaching XXXX XXXX loan officer email copy where XXXX XXXX  is declining loan. whoe 's fault it is. XXXX XXXX  has accepted fault but XXXX  XXXX  kept on lying and declining my loan
Product: Mortgage

My new mortgage processor is Valon , Inc. XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My payments are up to date. They have not paid my home insurance premium to XXXX XXXX XXXX & the policy # XXXX is expiring. 
XXXX is my representative at XXXX XXXX XXXX. The agent is XXXX XXXX XXXX. 
XXXX XXXX & myself were told by XXXX on Thursday XX/XX/XXXX  that a check would be sent in XXXX hours. She had gotten that information from a specialist in the insurance department named XXXX. No check has arrived. 
Please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year>24, XX/XX/scrub>/24. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Over a year ago, TransUnion lowered my FICO score for no reason. Now, after being told that they did, they refuse to raise it back to at least XXXX. This is not complicated. A year on from when they lowered the score, my credit history is even stronger than it was because I have a year more of on time payments.
Product: Debt collection

Left a message on my mother in laws phone threatening legal action against me. No one would give any actual information and the person who left the message, XXXX XXXX, according to XXXX XXXX, is no longer employed there. Called under the guise of City Management Group. They XXXX people 's names and call anyone who shows up as a relative with a public number. They could not reach me because my number is not published but they called my mother in law and left a message because her is.
Product: Mortgage

In XXXX my mother obtained a {$40000.00} mortgage loan on our family home from XXXX XXXX XXXX. She passed away in XXXX and I assumed the loan under her name. I am also the Administrator of her estate and Successor in InteresXXXX. It was then transfered and reserviced to XXXX XXXX XXXX in XXXX. I paid regularly until XX/XX/XXXX when COVID began. I was put on a forebearance plan but occasionally STILL made payments while on forebearance. The loan matured XXXX of this year. CLS extended me 2 loan modifications that I accepted and remitted payment for. They sent payment back both times stating " Loan matured with no approved workout ''. They kept asking me to prove Successor in Interest, and I did. Several times. The paperwork was even sent directly from the City of XXXX XXXX office. Their representative kept telling me that the person that assumes the loan must be on the deed. I have a copy of the original deed and only my deceased grandmother and grandfather are listed. So when my mother obtained the loan, she was not on the deed and was never put on the deed. So how was she able to obtain the initial loan? If I am acting as the same entity as my Mother, who presented only the deed she had to obtain the loan, then why am I not able to do the same to maintain the loan? I sent CLS a QWR in XXXX of this year and they then RE SERVICED the loan to XXXX Loans WITHOUT RESPONDING to the QWR. They then just YESTERDAY replied in an email, but it was not a QWR response. I have also sent the new loan servicer a QWR 3weeks ago and have heard nothing as of yet. I contacted the FBI earlier this year with no success because I know that at least one name on a mortgage loan must be present on the deed. I have maintained that XXXX XXXX has committed mortgage fraud and sold the loan to Bayview without them knowing that my Mother is not on the deed. So I've paid OVER XXXX for an illegal mortgage loan, plus interest and would TRULY like to have an attorney help me to obtain my, and my Mother 's estates monies back. I am sure I am not alone.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are reporting hard inquires that I did not ask to be done by creditors. My personal information was breached and they tried to open as many as 35 credit accounts
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 Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$82.00} XXXX XXXX XXXX  I XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX was a victim of fraud by XXXX XXXX XXXX XXXX Company No : XXXX ( SRA ID : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX. 

XXXX XXXX was scammed out of XXXX while helping a business associate pay what was believed to be legal retainer fees in return for an Investment Loan in the amount of {$75.00} XXXX. 

XXXX XXXX XXXX XXXX was represented by a person named XXXX XXXX who had advised the business client ( XXXX XXXX of XXXX, TX ) who was supposed to get the investment loan that she could not get the loan unless she paid retainer fees for the loan. XXXX XXXX did not have the funds to pay for the fees ; XXXX XXXX said he was representing the investment firm ( XXXX XXXX XXXX ) who also turned out to be a scam. 

XXXX XXXX made two wire payments onXX/XX/XXXX andXX/XX/XXXX to the " law firm '', but realized shortly that the loan and persons representing the investor and the investment company itself were all fraudulent and of XXXX decent. The money was intercepted through a XXXX XXXX XXXX bank account, but XXXX XXXX has not addressed the issue based on recoup of funds with XXXX XXXX ' bank US Bank. 

No one benefited from the scam as there was no collusion with the thieves who intercepted the funds from the XXXX account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX SORT CODE : XXXX ACCOUNT NUMBER/IBAN : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Account XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX, Account XXXX Has 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: Mortgage

My mortgage was transferred to a new company effective tomorrow and nobody ever provided any notice at all. The only reason I know is because of the welcome e-mail that I received today, 1 day before the transfer is effective. They are supposed to provide 30 days notice. Ditech did not do this.
Product: Credit reporting or other personal consumer reports

XXXX DISPUTED XXXX AND XXXX XXXX I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION THIS WAS DONE THROUGH XXXX XXXX 2022 XXXX XXXX XXXX XXXX DISPUTE XXXX AND XXXX XXXX I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION WRITTEN OR VERBAL FROM CREDIT XXXX OR XXXX OR XXXX XXXX. 
XXXX DISPUTE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. I NEVER RECEIVED UPDATE OR STATUS OF INVESTIGATION WRITTEN OR VERBALLY FROM XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX