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

An account is still being reported on my credit report that is out of the statue of limitations, this account should have been removed in XXXX yet it is still being reported and updated regularly.
Product: Money transfer, virtual currency, or money service

Sent funds the Zelle to a person I thought was la git but was scammed and could not do anything about it. I did file a police report to local and to the person that I thought was person I saw talking to. They sent me their drivers license with an XXXX address and filed a police report there as well but they said they would investigate and will keep me informed if anything changes. I also let my bank know and they said they could do anything since I authorized the transaction. Advised to contact app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts with Shellpoint Mortgage Servicing. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?
Product: Debt collection

The collection company sent me documents stating I owe a debt, but as I realized the debt owe isnt accurate. The estimate done by XXXX XXXX XXXX is false. XXXX XXXX XXXX XXXX paint home 4 walls 2 coats ( {$1200.00} ) But the the RTI home inspection from XXXX XXXX say whole house painted interior double coat ( {$1200.00} ) is also false signed off by a former Property Manager ( XXXX XXXX ) The photos circled in the report isnt of my house but the collection agent by the name of ( XXXX XXXX ) from ( Account Adjustment Bureaus ) told me on a recorded call that the Vice President of XXXX XXXX verified that the photos was of my home, when I asked for his/her name she said she cant disclose that information. I have the pictures circled that do not belong to me with the exception of one ; it shows the front entrance which isnt the same as the front entrance next to my entrance picture with the orange walls, theres also a bathroom circled that isnt my home, I can tell because the sink tile is different and the cabinet is darker, the other photo, that area wasnt in my home at all. Last but not least the company ( XXXX XXXX XXXX ) IS NOT A REAL COMPANY located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its the address of someone private home they have no idea who this company is at all. Please understand Im a XXXX XXXX XXXX and I was able to retrieve additional information, but the nonexistent company can also be looked up by anyone. The phone number is also fraudulent ( XXXX ) XXXX XXXX no such company exists in XXXX XXXX or anywhere else. I believe this is a scam and I will like to pursue further information on where this estimate actually came from, why did a property Manager sign off on a fake company estimate and why did the Vice President of XXXX XXXX make such a false statement? I will be reaching out to the Vice President and other parties of XXXX XXXX with all details, paper work and information collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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: Credit card or prepaid card

Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX XXXX XXXX XXXX  ''. They are fraudulently charging me XXXX each month. 

I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. 

This matter goes back several years now. They owe me at least XXXX XXXX  of charges at XXXX per month. 

I have stopped using my Discover card as a result and am giving my business to my other credit cards.
Product: Consumer Loan

I have a loan with Avant. I live in Massachusetts. The total amount loaned to me is XXXX. The interest rate they are charging me is 28 percent. I believe Ma law says the maximum interest rate is 20 percent. I contacted XXXX but was told they could charge me this amount.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was told that recovering lost funds was impossible and that tracking transactions was not feasible. The CFPBs findings suggest that Zelle has not only failed 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 deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX stated that the company that reported the information-public record has been certified that the information is correct. I want a description of the procedure used to determine the accuracy and completeness of the information. The business name and address of any further information contacted and the phone number of such furnisher, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit report via Equifax from : Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is XXXX  XXXX. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint XXXX
Product: Checking or savings account

At the end of XXXX I was on vacation in XXXX when I was XXXX XXXX XXXX  They stole my cellphone and wallet and thousand of dollars from my Chase checking account in the form of an ACH transfer of XXXX on XX/XX/XXXX plus a XXXX transfer of XXXX followed by a XXXX transfer of XXXX  and another XXXX payment of XXXX and XXXX transfer of XXXX. Later they would proceeded to use the physical card and XXXX  to take an additional XXXX. I called the bank to let them know my card was stolen and later to tell them that my identity had be compromised. Chase has denied all my claims.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/ with a balance of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Comenity Bank/ XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ), it is emphasized that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy rights. TransUnion, XXXX, and XXXX fall under this category as consumer reporting agency, and I, as the Consumer, have the right to ensure that my private information remains protected, as supported by 15 USC 6801. This statute affirms Congress ' stance that financial institutions must actively safeguard customer privacy and confidentiality. Entities furnishing information to credit agencies, defined as financial institutions, are subject to this obligation. 

Per 15 USC 1681 section 604, consumer reporting agencies may only furnish consumer reports upon the consumer 's written instructions. TransUnion, XXXX, XXXX, and the financial institution furnishing information do not possess my consent to share this data, either written or otherwise. By invoking 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers an explanation of their nondisclosure options. This provision was not communicated to me by the financial institution. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate consumer information. TransUnion, XXXX, and XXXX are not adhering to these regulations by reporting adverse information without consent and potentially inaccurate data. 

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of consumer reporting laws. TransUnion, XXXX, and XXXX are failing to uphold these reasonable procedures. 

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Payday loan, title loan, or personal loan

Regions Bank Institution is charging me overdraft and non-sufficient funds fees ; I have paid Regions Bank Monies with regards to the personal line of Credit to bring that Account to XXXX Monies owed. 

Regions Bank unlawful practices are unfortunate. This will be the second unlawful fees reporting I have from filed. 

I have documented files to upload ;
Product: Debt collection

I picked up a certified letter today on XX/XX/XXXX. Upon review it appears to be a wage garnishment from a MidlandFunding LLC. for {$1500.00} ( with XXXX XXXX XXXX, XXXX. as the attorney/debt collector on file ) - It indicates I must respond within 28 days to the Court. The date on the documents are XX/XX/XXXX. I have a XXXX credit score. There has been zero communication from Midland Funding LLC or XXXX XXXX XXXX until today on this matter. It appears in the documents sent that a judgement was secured against me in XXXX by default for me not appearing, yet I was never notified of a court date. In an effort to investigate further I called XXXX & XXXX and they informed me this matter was from a XXXX Credit Card. I then called XXXX XXXX XXXX XXXX and was told this was a charged off account from XX/XX/XXXX. I can attest to 100 % certainty that this debt was paid in full back in XXXX, however I no longer have records from 9yrs ago. Subsequently I opened additional accounts in XXXX, XXXX, & XXXX under the same bank XXXX used. Had there been bad debt they would have not allowed me to open additional lines of credit. 
Not only do I not owe this debt, but also I have never been contacted in the last 9 yrs on this matter. No contact includes any phone, mail, or negative credit reporting against my 3 bureaus. After XXXX the company, Midland Funding LLC an article came up indicating your organization filed a Consent Order against Encore Capital and it's subsidaries ( including Midland Funding LLC ) for deceptive debt collection practices which include Wage Garnishment w/o notification. After contacting an Attorney I was able to obtain a copy of the " Proof of Service '' from Midland Funding back in XXXX ( The same year the CFPB filed the Consent Order ) and in fact they state I was served in XXXX of XXXX as well as a " roommate/ co-resident ''. The fact is I was never served as I lived & worked in XXXX  at the time and the proof of service was filed in XXXX XXXX that indicates I was notified at my rental property in XXXX XXXX. 
Upon completion of this form I do not have the PDF saved on my PC for the " Proof of Service '' or the " Wage Garnishment '' documents. Once I get to work I can log back into your site and upload all applicable documents.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 looked at my credit report on XX/XX/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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed 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: Credit reporting, credit repair services, or other personal consumer reports

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes. 

account : 1. LAW OFFICES OF XXXX {$200.00} 2. XXXX XXXX  XXXX XXXX {$840.00} Sincerely, XXXX XXXX
Product: Student loan

I got 3 loans from XXXX XXXX in the XXXX XXXX XXXXXXXX. One for XXXX XXXX one for {$1000.00} and the last for {$1700.00}. XXXX XXXX switched over to XXXX  I'm not sure when. But they kept putting my account in forbearance and increased the interest. So now the XXXX is {$3100.00}, the {$1700.00} is now XXXX and the XXXX is XXXX. I haven't even made a single payment because of the forbearance and now I owe way more.
Product: Mortgage

I 'm having trouble making my payments for the fact that I 'm the only working to provide for my family because my wife lost her job. I applied for a loan modification as soon as I started struggling with my payments because of our loss of income. In less than  3 weeks  I was denied because according to  Ocwen Loan Servicing I  was not behind enough in order for them to help me lower my payment so I avoid foreclosure. I really believe that this is absurd and unfair that they tell me this and that is the reason why they ca n't provide me help. What they are saying is that I have fall way more behind on my payments so that they even give me a chance to save my home. This is why I 'm reaching out that to notify they are wrongfully reviewing my situation and not giving me and my family to try to find some type of solution to help me out. They told me about a repayment plan but that was only going to bring my payment higher no help at all since I was already struggling with my payment before. Please help I really need to save my home for the sake of my family. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the account below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681XXXX 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 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 then records of convictions of crimes which antedates the report by more then 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer 15 USC 1692 section 805 A section 3 states at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number