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

In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy. 
15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions. 
15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c 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

Receivable Recovery is reporting information without permissible purpose. Furthermore this account is only reporting on my XXXX Consumer Report. Pursuant to 15 USC 1681e ( b ) states all consumer reporting agencies must maintain maxium possible accuracy. 15 USC 1681b ( 6 ) states all Credit Reporting Agencies must work together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

This account was deleted by XXXX  as and unverified account on XX/XX/2018 after contacting your company. 
I disputed this account with XXXX and XXXX three times as this account still remains! Both companys are saying that your company keeps saying its verified. How is this possible? XXXX mailed me a copy of my report showing this account was deleted as unverified do to your companys investigation. How is it being verified with the other two Bureaus is absolutely absurd to me!
Product: Debt collection

I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
Product: Debt collection

XXXX 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. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Transworld systems inc for {$3200.00}. 

They have not got back to me as yet however I have never done business with the original creditor XXXX. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I receive multiple calls a day 4-5 calls at least. They also called family members in which were never on the account or related to my account in any way. I spoke with a rep on XX/XX/XXXX & made a payment of XXXX & made an arrangement for another payment at a later date. I still continued receiving calls every day after 4-5 times a day. I spoke with another rep on XX/XX/XXXX & explained to her the situation. She proceeds to tell me it didnt look like any holds were put on my account. I also asked for a note or any other phone numbers to be removed. I have since still received phone calls along with my mother & step father & previous partner who Im no longer associated with.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the appearance of several unauthorized accounts and inquiries on my credit report, which I have determined to be the result of identity theft. Under the Fair and Accurate Credit Transactions Act ( FACTA ), Section 605B, I am requesting that these items be blocked from my credit report as soon as possible to prevent further damage to my credit history. 
The following accounts were opened fraudulently without my consent or authorization : 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 XXXX PA XXXX Additionally, there have been unauthorized inquiries made by the following entities : XXXX. XXXX XXXX XXXX. XXXX Please note that all the above creditors have already been notified about this incident. As per FACTA Section 605B, I am requesting that these fraudulent accounts, along with any associated records and inquiries, be blocked from my credit file. The action is to be taken within four business days of receiving this documentation, preventing these items from affecting my credit score and from being used in credit decisions.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see the inaccurate public record information on my credit report. I regularly check it and it has never been an issue before. I tried refreshing my browser, thinking it was a glitch, but the errors remained. I can't believe this happened, and I am now requesting a thorough review of the documents I've sent to resolve this issue permanently.
Product: Checking or savings account

US Bank refused to cash any of the US Government XXXX XXXX Savings Bonds I tried to deposit in my checking account. They would not even look at them. When I said that I think they had to process them for deposit by law they said I was wrong. They said their bank 's policy was to not process any savings bonds at all because there is so much fraud involved. Like I say, they would not even let me show the bonds to them. They told me to try the Federal Reserve.
Product: Student loan

I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.
Product: Debt collection

Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me. 

The harassing company is : Midwest Recovery Systems. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report from LexisNexis which contained XXXX pages. In the report there were countless amounts of errors, information that did not belong to me and information that should not have been connected to me in any way shape form or fashion. I sent a certified letter advising LexisNexis of all the the incorrect and outdated information along with my XXXX issued drivers license and my social security card. A letter was sent back to me dated XX/XX/2022 in response stating that they needed additional information to start an investigation they stated the documents were either not legible, Some or all of the identity verification documents I submitted did not qualify in order to very my identity.I do not understand what additional information is needed. Also they have on my report I am married to XXXX XXXX and XXXX XXXX XXXX. I have only been married XXXX time is i still have my married name. Also LexisNexis has my XXXX XXXX XXXXXXXX XXXX on my report as sharing an insurance policy together. We have NEVER applied for or shared an insurance policy together. The list of as many of the inaccuracies will be included.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 infeasible. The CFPBs 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 concern about consumer safety.
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. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX 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

XXXX, XXXX, Equifax, continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.
Product: Debt collection

I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s-2 by never responding to a dispute.
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I continued to make payments on my mortgage until I had to have a XXXX  in XXXX. At this point I reached out to my mortgage company and they willingly placed the account in forbearance. They stated to call in XXXX to remove the forbearance, which I did I submitted all the documentation that they requested. In this process they reported my loan as XXXX past due and sent me a letter stating I needed to make smaller payments? I then resubmitted documentation to end the forbearance and Im still battling them to end this forbearance? Im in need of help Along with XXXX XXXX XXXXXXXX, Im also battling to keep my home and wont qualify to purchase an another home because my credit is ruined. I truly think this should be against some law, that mortgage companies cant do this if you have a health condition. 
I have submitted everything once again for the 3 rd time and I have talked to over 50 different people and Im being told multiple things? Im submitting what theyre asking and getting no where? Can you please assist on what to do? The stress that this has caused is unexplainable!
Product: Credit card

I am writing to file a complaint against Upgrade Financial and XXXX XXXX XXXX for changes to my existing Upgrade Card Loan. Based on an internal review, they have decided to disallow additional draws under my existing loan, citing the reason as " No FICO Score ''. This decision was made without any prior notice or discussion with me. 

While they have mentioned that a new Upgrade Card Loan may be available to me at a different APR, this does not address the issue at hand. I have been a responsible borrower and have maintained a good credit history. The sudden change in my loan terms and the reason cited for it are both concerning and confusing. 

Their common practice needs to be exposed to other consumers.
Product: Money transfer, virtual currency, or money service

Hello! It's been a week since I registered with the cryptocurrency exchange " Gemini 'XXXX, using their website and phone app, and gave them all of my personal and banking information so I could use their services. I gave them my name, email, cell phone XXXX street address, sent photos of my state driver 's license, and even successfully linked them to my bank checking account using my actual bank username and password. Here we are a week later, however, and my registration process is frozen in the " Identity pending verification '' phase. This means I can not buy or sell anything on their platform, apparently I can deposit funds but not withdraw them ( Which is a fraud in itself ). In other words, they recieved all of my sensitive personal data, leaving me in a dangerous position, and I still can not even access the services I signed up for. I only need to use their exchange, and when I submit a support inquiry I only get the " High application volume means slow service '' excuse. Which is fine, but they should have warned me of that BEFORE I gave up all my sensitive info. Please contact them and demand that they expedite the ID verification process. My username for the Gemini platform is XXXX, thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I am going through the Experian Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, Experian credit report has fraudulent inquiry of XXXX Credit Card dated XX/XX/2018. XXXX is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted XXXX   XXXX or I do not have any plans to have any kind of XXXX  credit card. Could CFPB direct XXXX XXXX/Experian to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct XXXX XXXX/Experian to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my Experian Credit file.
Product: Payday loan, title loan, personal loan, or advance loan

I have ordered a TV from XXXX XXXX, using Affirm to pay in installment. 

However, the TV was never delivered, and I have contacted XXXX and then Affirm. For Affirm, I used their Dispute process. 

I have the proof from the delivery company that the order was cancelled, and for the free item accompanying the order, XXXX has returned the item. 

Affirm has a lengthy dispute process, which took over a month for a response. Affirm ignored clear evidence documentation for the non-delivery of the item and provides unclear response on the process and information involved in the decision. They closed the case in the merchant 's favor without forwarding their argument and providing a chance for receiving further supporting documentation from customers. Their dispute process favors merchants disproportionately over customers. I have serious doubt over the integrity of that process.