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

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

Today I received a phone call from from Truist XXXX XXXX department saying that they didnt receive the documents that I signed back on XX/XX/23. I spoke to the notary and also confirmed that the documents were sent back to the notary signing company. Additionally I have received mailings in the mail that show the modification agreement and XXXX mortgage had been recorded. The Rep on the phone refused to contact the department on the phone with me to give them the information that I had. the rep also tried to trap me for saying I refused to sign the documents again when XXXX reminder her that they had been signed and recorded. I advised the rep I would be willing to sign documents after she figured out where they were. I asked the rep to speak to her supervisor and she said it would be XXXX hours before that occurred. XXXX XXXX the rep appeared to not fully understand what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sears/Citibank reps will not help me remove an inquiry for a credit card after they canceled the application.
Sears website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the Sears credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another sears credit card rep and they told me to talk to sears.com regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. Sears.com rep told me it would be fine and I could pay for it now then change the order to the sears card when I received it.
Called sears credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that Sears/Citi remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : INCLUDED Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX, XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
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. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The 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 concerns about consumers safety!
Product: Credit card

Twice now Venmo has attempted to withdrawal XXXX payment which I did not authorize. From my credit union account. 
They said payment was made on app. But it wasnt! And I was charged XXXX dollar overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a dispute request with Clarity Services in reference to inaccurate personal information and   unknown account ( s ) on my report.
Waiting for response from Clarity Services!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX  account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Im providing this info one last time and hopefully XXXX Experian and XXXX are able to fix my credit report with all the negative accounts that are fraudulent Im attaching the police incident number which is the police report
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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.
Product: Credit card or prepaid card

I set up an ACH transfer from my American Express Serve account to my XXXX XXXX checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until Wed. XX/XX/XXXX, but I did not get the funds posted in my account until the following day. 
Because of the funds were not in my XXXX XXXX account within the 2-3 days ; I receive four overdrafts fees from XXXX XXXX. I explain to XXXX XXXX several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX   offered to speak to XXXX XXXX directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but XXXX XXXX refuses to speak me amount this matter. As a consumer, I should not pay for any fees because this was a technical issue.
Product: Debt collection

I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because Barclays Bank refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and Barclays Bank as well as their respective lawyers trying to collect this debt are aware of all of the facts. If Barclays Bank ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that Barclay Bank can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX Division, Commonwealth of Massachusetts, Probate and Family Court Department. Barclays Bank continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : XXXX XXXX Account Number : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

My name is XXXX XXXX. I am very much a XXXX individual and they are now and have been repeated calling my cell phone at all hours of the day looking for " XXXX '' and that " XXXX, you need to call us right away or have your attorney contact us. '' I have had this cell phone number since XX/XX/2006. I do n't know what game they are playing but it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others  have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original  creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

XXXX XXXX did n't provide the service when they visited my property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. They generated false invoice asking me money to pay them. I disagreed and asked them to show me evidence of their work. I never agreed to pay them without performing the job. I also suggested them to go to court if they believe I owe them money. They contacted TEK collect ( collection company ) to get the money from me. TEK collect contacted me and I disputed with them. I asked them to have XXXX XXXX show their evidence ( pictures or witness or so ). TEK collect accepted their false invoice as evidence without any regard to investigate more and did n't want to agree to my dispute. I contacted their supervisor about it and reported my dispute. Even then they put my collection to XXXX. I contacted XXXX to dispute. XXXX suggested me to file complaint with FTC and provide them a report of my complaint. I have also attached my dispute with the supervisor at TEK Collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report one fraudulent account appearing on my consumer FICO credit report, which I do not recognize as reported and which is the result o
f identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XXXX  under the account number XXXX Additionally, there was a fraudulent hard inquiry by XXXX XXXX on XXXX and XXXX XXXX  on XXXX  These items have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. I demand the removal of the following addresses, as they are associated with the fraudulent activity : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.