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

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 -EXPERIAN XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three ( 3 ) accounts with Equifax, XXXX and XXXX   on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX  XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in 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 tracking these funds was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect customers, but has also allowed repeat offenders to exploit the System.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

Account # XXXX Recent Balance {$890.00} XXXX XXXX XXXX is legally also not even licensed to collect debts within the state of Pennsylvania!
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have not called them yet for I just looked in my mail and found this. Says I have a balance due of {$320.00} from something I have no clue what it is about. I went online to look up the company and have seen many negative responses about them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and noticed positive missing credit card information. 

Type : Credit Card Company : XXXX XXXX  Date Opened : XX/XX/year> Please add this account to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is on my report when it is suppose to be excluded by law.
Product: Debt collection

Pinnacle Credit Services LLC Company : XXXX Amount : {$3000.00} Acct # : XXXX : ref # XXXX I was informed by a financial advisor there were a few thing on my credit report that should have been closed XXXX included. I called the number I was given by XXXX this morning XX/XX/18 and was informed that Pinnacle was sold to another credit service called XXXX XXXX XXXX ( XXXX ). I settled within a year of my Cancellation of service for {$800.00}. 
I am disputing the amount and would like this removed from my credit report as it is hindering all attempts at improving my credit score. 


Thank you in advance. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service is reporting that I still have a collection with them even though the account is paid in full. This was paid in XX/XX/2020. The collection agency is still reporting to XXXX.
Product: Credit card

Youre a big Bank. I dont know. Maybe I was XXXX, but whenever I lost my XXXX credit card and I called you to let you know that Ive lost it. You told me there was XXXX fraud liability and I was told I didnt have anything to worry about. I didnt use the card then I wouldnt have to pay for it well guess what all of that with a lie there was no truth in any of that cause just the opposite happened I reported the fraud as soon as I realized it, you denied it one time and you said I benefited from it so I got a hold of you and I explained the fact once again that I didnt have the card in my possession, we dont know what happened to the card. We dont know where it was at. We were in XXXX, Michigan and the card was used all over the place. I never left XXXX so you open the investigation again and this time you gave me a call and I answer the phone and you tell me that during that time that the fraud was occurring I had access to my account over 100 times that is just a lie I did not check my account at all. I typically do not check the account my credit card account until its time to pay the bill and if I didnt have the card, I definitely wasnt checking it during the period when fraud was happening over 100 times according to you, I asked for you to produce this information. I want to see the proof how you came to your decision oh thats just for Bank use you say so. Im just supposed to take your word for it and youre not gon na honor your 0 % fraud liability. You should be ashamed. Im a good customer and you are not helping at all. Im very disappointed with customer service with your fraud department and shes like if you produce some additional information we can look at it again what information she couldnt give me one example of the information you would need I didnt have the card. I never signed anything I didnt know who had the card I didnt get permission for anyone else to use the card and I definitely didnt benefit from it anyway none of the transactions belong to me. This is crazy. is this really the way you treat your customers?
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Service LLC, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/year>, and noticed some things are incompetent, missing information and not accurate. And according to the fair credit reporting 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 whom the report relates. These accounts. Account name : XXXXXX/XX/XXXX # XXXX Account name : XX/XX/XXXX # XXXX Account ame : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name :XX/XX/XXXXXXXX # XXXX Account name :XX/XX/XXXX# XXXX Account name : XXXX XXXX # XXXX Account name :XX/XX/XXXXXXXX XXXX XXXX Account name : XX/XX/XXXXXXXX # XXXX Account name : XX/XX/XXXX # XXXX Account name : XXXXXX/XX/XXXX # XXXX Account name : XX/XX/XXXX # XXXX! Account name : XX/XX/XXXX # XXXX! Account name : XXXXXX/XX/XXXX XXXX XXXX Account name :XX/XX/XXXX # XXXX Account name :XX/XX/XXXX Manage # XXXX Account name : XX/XX/XXXX XXXX XXXX XXXX has violated my rights. I sent a letter asking them to make sure everything was complete and accurate and here is my tracking # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX They sent me an investigation back and said everything is completed and in accurate, check my attachment, everything is not completed and accurate. according to nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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 ( 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 reinvestigation ; and ipromptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My husband and I were directed to Prime Lending located in XXXX XXXX, Florida via XXXX XXXX XXXX. We were pre-approved for our new construction home for approximately {$490000.00} by XXXX XXXX. We signed our contract, obtained all documentation that she requested and again were told that everything was on track for a late XX/XX/XXXX closing. A stipulation win prime lending was that we were required to sell our home. We placed our home on the market and accepted an offer within one day. We pushed closing out approximately two months and finally closed on our home XX/XX/XXXX. One thing that we made very clear to XXXX XXXX was that we want to ensure that there would be no stipulation or reason that we would not be able to obtain a mortgage for our new home. She assured us over and over again that things were fine. We had agreed to place 20 % down on our new home. We disclosed at the start of this process that I had a short sale in XX/XX/XXXX. My husband and I were both very skeptical in the beginning because we had done our research and many lenders stated that we had to wait XXXX years for FHA and four years for conventional after a short sale. When this was brought to XXXX attention, she stated that there would not be a problem. We placed out trust and our families future in her. We have XXXX young children and our biggest concern was uprooting them from our home and end up having nowhere to call home. On XX/XX/XXXX we closed on our home. On Sunday XX/XX/XXXX I opened my mail and found a letter dated XX/XX/XXXX that my husband and I were denied for our loan. You can imagine our surprise. XXXX XXXX never contacted us and in tern we sold our home and have no idea where we are going to take our XXXX and XXXX year old children. When we attempted to reach out to XXXX XXXX the next day, she avoided out phone calls and emails. It was n't until XXXX days later when she finally contacted my husband. She informed him that she was aware that we were denied on XX/XX/XXXX but did n't tell us because she " did n't want to ruin our weekend. '' Had she given us the professional courtesy when she found out that we did not qualify, we never would have sold our home. I feel that she was very unethical with us and failed to disclose multiple stipulations with obtaining a mortgage after a short sale. In my opinion, she should have known about these regulations and disclosed to us right from the beginning. We never would have proceeded with the purchase of a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to correct my personal information to all three credit reporting agencies ( XXXX, XXXX, and Experian ) on XX/XX/2021. I have also sent a 2nd round in XXXX. I have also sent the required proof or documents needed to verify each time. They have only updated some info such as employment info. 

XXXX and XXXX have not listed my current address on file, nor has XXXX removed previous addresses that I don't currently live at. 

Experian has not updated my date of birth, my name, nor have they deleted previous addresses. 

XXXX has not listed my name correctly.
Product: Debt collection

My information was found on the dark web. I have gotten multiple notifications from monitoring services. I have a very specific long name. Any combination of that name is inaccurate. I have no idea what this debt is, and I have tried to dispute it multiple times via credit reporting agencies.
Product: Credit card or prepaid card

I received multiple emails about a Capital One credit card that I never applied for. Then, I received the actual card in the mail on XX/XX/23. I called the Capital One fraud department and told them to cancel the card immediately b/c I never applied for it. They said they would and would report it as fraudulent to the 3 credit reporting agencies
Product: Mortgage

My grandmother passed away in XX/XX/XXXX. I am her only living heir. She died without a will, and the court appointed me the executor of her estate. I probated her estate shortly after her death, and finalized all her affairs. I am still in possession of her home. 
Almost two years to the date after her death this past XXXX ( XXXX ), I received a phone call from a company called " Compulink. '' The caller left a voicemail with no details other than she was calling in regards to the address of my grandparents ' property. She left her name, call back number, and her extension number. I assumed it was a scam, but called back. She did not answer, so I left a message asking her to return my call. She did not, and has not since then. 
I have called several more times over the course of several months, left numerous voicemails, and have never received a call back. I also have not received any mail or email correspondence from this company at all, either. 
Yesterday, a neighbor saw that a notice had been taped to her front door. The notice is from this same company, listing the exact same phone number I have been calling for months to no avail. 
After calling my attorney, we were informed that my grandparents had in fact taken out a reverse mortgage, more than ten years prior to my grandmother 's death in XXXX. It appears the reverse mortgage was initiated by XXXX XXXX, but was sold to several different companies since then. I was unaware of this, and did not encounter anything as I was probating her estate that would indicate she had a reverse mortgage. 
Now that I am aware of it, I want to immediately take the appropriate steps to get it resolved. It is impossible to do so when the company that owns the reverse mortgage refuses to return my phone calls or send any correspondence at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get open sky to correct a payment error for years by contacting the credit bureaus to dispute the incorrect information. Finally I got an attorney to call XXXX XXXX and I got a letter from them, but it still isn't corrected. They need to fix my credit report immediately. I have never had any late payments on any of my accounts and for years I have suffered this error by paying higher rates and being denied credit that I should have qualified for. Please see that they fix this mistake quickly. Thank you.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and I did not make these inquiries.
Product: Mortgage

Mortgage company ( XXXX ) is not reporting our mortgage on any of our credit reports. This is due to a bankruptcy that happened in XX/XX/XXXX tha they say was not reaffirmed. We have refinanced with them twice since the bankruptcy but they still wo n't report our mortgage on our credit. This has made our credit score really bad,
Product: Checking or savings account

I opened a new checking account in XX/XX/2019. When I opened the account it was disclosed that I would received a fee every month to receive a paper statement, but I could opt out of paper statements once I registered my account on the bank 's website and signed up for online banking. I signed up for online banking the same week that my account was opened. However, on the website, I was not able to opt out of paper statements. I contact the bank, via phone and email and was told there was a technical problem, and the bank was aware of it, and was working on it. Each month, the bank has charged me a fee for paper statements. However, because of a technical issue on the bank 's end, I do not have the option to opt out of paper statements. I have called or emailed nearly every month since and been told the same thing. The first 2 months the fee was waived after I called and explained the situation. Now I am being told the fees can't be waived any more, even though the error is on the bank 's end. I have asked repeatedly for either the option to opt out of paper statements, or if the error can't be resolved than to stop charging me a monthly fee. Neither has happened after 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

As well as XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Have violated  my rights In accordance with the fair credit reporting act 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I contacted Chase Bank by phone on Friday XX/XX/2016 after noticing some discrepancies with my banking history online as well as through the mobile app. After spending over 30 minutes on the phone they advised me that they have an ongoing investigation due to account balances for consumers not posting accurately. XXXX " A Supervisor '' suggested that I go into my XXXX in XXXX to discuss it further since they were not able to figure out what was happening. She also stated that once the investigation was done my account would automatically reflect my true balance but I would not be informed of resolution and that I would have to just watch my account. That same day I went into my branch bank and spoke with the Branch Manager, XXXX XXXX for well over an hour. She had a Senior Account Specialist on the phone and he was unable to figure it out either so I was advised they were going to start research on my account and I would hear back within XXXX business hours. I have still not heard back. Yesterday, XX/XX/2016 my account showed that I had a balance of {$340.00}. I assumed this was my balance after their " research ''. I of course made some purchases thinking that my account was resolved and had a positive balance. Today, I received notification that my account is now overdrawn again {$190.00} in checking and {$4.00} in Savings. I was hit with XXXX {$34.00} fees in checking and another {$34.00} fee in savings. At this point I am considering closing my account as I can not keep track of what they are doing. Nothing makes sense and I can not get any answers from my banking institution. This has caused a great deal of emotional and financial distress. I advised them on my phone call on XX/XX/2016 that if this was not resolved I would be filing a complaint with the CFPB as well as the Attorney General. Had I not been watching my account closely there would be several fees and charges I would have never known about. The Branch Manager also made that statement when I met with her on XX/XX/2016 inside the Branch location. She reversed some fees on that day due to their errors however this continues to be an issue. 
My branch location is at : XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX Branch Manager : XXXX XXXX