23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

hello, please send me a copy of the signed rehabilitation agreement. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputed the accuracy and verification of a bankruptcy listed on my credit reports for over a year. The outcome always states that it has been verified either by the courts, or XXXX XXXX. I received a letter from the court stating that they do not verify Bankruptcies, and XXXX Negative has been frozen since XX/XX/2023, and I submitted my disputes in XX/XX/2023. 

I also received emails to verify my identity in order to stall my dispute... However on XX/XX/2023 when I mailed off my disputes I included my lease and My Drivers License. That would mean that they never even looked at my letters and completed a proper and fair investigation. 

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a 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. Public Record U.S. BK CT - EAST Dist. MIC. XXXX Has violated my rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

Sent Transuion 4-5 page dispuit of in acurate information on report hand written letter certifiled mail receipt XXXX call transuion said didnt recieve the letter. the letter was sign for please the 30 day notice
Product: Checking or savings account

First Off, Id Like To Inform You That Id Just Recently Got Out Of XXXX. The Entirety Of My Stay In XXXX, I Was Being Charge Service Fees, {$7.00} A Month, Till My Account Was Drained. PNC Did Not, However, Notify Me Through Mail Or Email. This Was From XX/XX/XXXX ( My Initial XXXX  Date Into The XXXX XXXX XXXX XXXX XXXX XXXX, Till XX/XX/XXXX ( My Release Date From XXXX  ).
Product: Checking or savings account

Hello, my Wise account has been inexplicably closed. My account has not even completed the deposit of funds, and I have also filed an appeal, but they are unwilling to restore my account,
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2.  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX-XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX lll ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Credit reporting or other personal consumer reports

I entered bank information on the chase website. I made a payment. My bank denied it. I got a letter from Chase saying the payment was still due, and late. In looking at the documents I saw that they used the routing number as the account number and on another document they had the account number wrong. I went to my bank and they showed me this document. I sent this info to Chase along with a letter from the bank stating that not only did they have the information wrong, but that it had also happened with other accounts. My concern fell on deaf ears so I opened a case with all three reporting agencies but only XXXX took it off.
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 privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 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 or other personal consumer reports

While I dont have the exact amounts of the money involved. I ended up in XXXX and am not able to get a normal bank account due to someone stilling my information and trying to get some cash and was unsuccessful. That left me in a bad situation where I could not get a bank account once I needed it and still can not. I am at the point now where I dont know what else to do but wait 5 to seven years for this issue that was not even me.Im at a loss at what to do.
Product: Credit reporting

I have incorrect information on my equifax credit report. I just contacted equifax again today to request an updated report and was told I already received my free report for the year. I explained that I am on public assistance and XXXX and I have things in dispute and would like to see an updated report. I again was told they will not send me an updated report for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that JPMCB-CARD SERVICE has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. 

According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. JPMCB-CARD SERVICE has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. 

JPMCB-CARD SERVICE has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

Furthermore, I have not received a Form 1099-C from JPMCB-CARD SERVICE , which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines. This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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, as it undermines consumer trust and exposes individuals to unnecessary financial risk. My experience reflects a broader systemic failure to address fraudulent activities and to provide adequate recourse for victims. I urge the CFPB to take decisive action to ensure that Zelle complies with federal regulations, prioritizes consumer protection, and implements robust measures to prevent future fraudulent activities. Immediate reforms are necessary to restore confidence in the platform and safeguard users from ongoing harm.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Items Resulting from XXXX  : 1. XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charge Off Last Activity : XX/XX/XXXX Amount Past Due : {$380.00} High Credit : {$750.00} Responsibility : Individual 2. XXXX XXXX Account Number : XXXX Account Type : Secured Credit Card Date Opened : XX/XX/XXXX Status : Closed Last Activity : XX/XX/XXXX High Credit : {$1200.00} High Balance : {$1100.00} Responsibility : Individual 3. XXXX XXXX Account Number : XXXX Account Type : Secured Credit Card Date Opened : XX/XX/XXXX Status : Charge Off Last Activity : XX/XX/XXXX High Credit : {$200.00} Responsibility : Individual Remarks : Account Paid For Less Than Full Balance, Paid Charge Off 4XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Automobile Date Opened : XX/XX/XXXX Status : Open Last Activity : XX/XX/XXXX Monthly Payment : {$370.00} Amount Past Due : {$370.00} High Credit : {$22000.00} Responsibility : Individual Remarks : Redeemed Or Reinstated Repossession, Auto, Fixed Rate Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I started the process at the end of XXXX. I was assured I would qualify for the loan. I have excellent credit and a long credit history. 
I submitted ALL requested paperwork. They asked my accountant to write a letter about my XXXX tax return, which he did. Then they asked him to write another letter saying something that was not really true. We refused to do that. 
Then they said they could not get me a traditional mortgage, but could get me a less traditional mortgage, with -- OF COURSE, a 2 % higher interest rate. They ASSURED me I would get this one. 
They sent me all the documents AGAIN -- the disclosure documents. 
They told me I was conditionally approved. I got this email today " Hi XXXX, Were aiming to close on XX/XX/XXXX so it will be only another XXXX weeks. The underwriter gave us an approval. Prior to approval conditions fulfilled Now we have to clear prior to doc conditions. XXXX is still helping with file because shes been correspondent with title on your loan. Shell help provide a list together for the remaining things '' I called and asked what 'things? ' Oh, we will have to get you a list. Mind you, I have been providing them documentation since the beginning of XXXX and they don't know what is needed yet? And I have been dealing with the same people. XXXX in particular, XXXX, seems to play the part of the 'bad guy. ' I have never been turned for collateralized financing in my life and I am XXXX XXXX XXXX. 
I believe they are running a 'bait and switch ' to get me into a higher interest, worse terms loan. My initial loan amount was going to be for {$200000.00} with 10 % down and 7 % interest. The new loan that I was assured I was going to get approved for is now at 9 % interest, with 15 % down and outrageous {$10000.00} in closing costs. They are just stringing me along and playing games with me. 
I am tired and just want to purchase this house. The process is abusive. I have a very stable W-2 income which they REFUSE to acknowledge because I am a small business owner.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( 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 instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following acounts are : XXXX XXXX  : Card Account ending XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has permitted the collection agency of XXXX, XXXX XXXX XXXX XXXX to report an inaccurate account on my credit reports. Upon further review, the account apparently originated from a property management company called XXXX XXXX XXXX. I have no knowledge of this account. In accordance with 15 U.S.C. 1681i ( Fair Credit Reporting Act ), 15 U.S.C. 1692 ( a ) ( Fair Debt Collection Practices Act ), 42 U.S.C. 3604 ( Fair Housing Act ), and California Government Code 12940, et. seq. ( Fair Employment and Housing Act ), please provide validation of the debt.
Product: Debt collection

XXXX XXXX sold a car loan that was on my credit before the retention date was up, which was only a few months away before they sold it. I asked through written notification and electronic through all three credit bureaus, asking XXXX XXXX to send through Certified mail a verification letter showing the address and the original signature which never happened, they then sold the account to which I did the same thing sending LVNV Funding LLC written notice that I needed verification that these accounts are mine. I have continued to dispute this account since it has been to the new company with no avail. Each time they just verify the account through the credit bureaus automatic verification system and never sent me the information Im asking for I need these accounts deleted from all three of my credit bureaus immediately because I have disputed them time overtime overtime which each time be in 30 days I can no longer wait 30 days in these accounts need to be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out NCB Management regarding this collection which is not my debt nor do I have any contractual agreement with NCB Management.
Product: Mortgage

I sold my house on XX/XX/2023 and I was due an escrow refund from my mortgage company LoanCare amount of {$4100.00} within 30 days I contacted them numerous times and they tell me a check should have been mailed out within 10 business days of closing. The address on file was verified as the correct one, but I have yet to receive my check in the mail still. I offered to pay for tracking so I can locate the check, but they tell me that is not possible. They continue to tell me nothing can be done in regards to locating my check except wait for 30 days since they sent the check so they can send a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my XXXX and need it removed from experian and XXXX ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My experian account mention that my personal information is at risked as well.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  XXXX XXXX XXXX Date Opened : XX/XX/year>
Product: Credit card or prepaid card

In working with Goldman Sachs who manage my Apple Credit Card, on the date of XX/XX/XXXX I submitted a credit card dispute for the amount of {$950.00} for a charge I was disputing for a hotel reservation at XXXX XXXX  XXXX XXXX XXXX in XXXX, FL. I have been now filed XXXX disputes for the same credit card charge with Goldman Sachs that has XXXX through today 's date and I continue to get no where in a resolution that is fair and just.As of today I also filed a XXXX dispute for the hotel company XXXX XXXX as well.This was for initial reservation I booked back approx. XX/XX/XXXX and within 4 hrs later cancelled the hotel reservation and at the time I was assured would not be billed as long as the reservation was cancelled within 24 hrs. I twice called the XXXX XXXX location, once the corporate office number then the actual location and each time was assured the reservation was cancelled although they refused to provide any documentation confirming cancellation. Because of my concerns with this, I filed a CC dispute and Goldman and Sachs refuses to take the additional steps to do a complete review even though I provided documentation clearly reflecting that because I cancelled my initial reservation with XXXX XXXX, I proceeded forward to book another reservation for the same dates ( XXXX XXXX ) through XXXX for the XXXX XXXX XXXX XXXX Goldman Sachs is saying that the hotel mentioned that I would of needed to call the day of my check in hotel to be refunded which makes no sense since the initial cancellation process required to be cancelled within 24 hrs which means if I booked the hotel on XX/XX/XXXX and called the hotel to cancel on XX/XX/XXXX, that would of been outside of the required 24 hr policy to cancel the reservation and be fully refunded. Please help as I feel like I have no where else to turn to and I am adamant I did the right thing and followed all processes to cancel this reservation initially with XXXX Day that no one seems to have record of now. The 3 dispute numbers filed with Goldman & Sachs are : XXXX ( initially filed on XX/XX/XXXX ), XXXX, XXXX ( filed today for 3rd time XX/XX/XXXX )
Product: Prepaid card

CashApp do not have any contact information to call when you have a problem or concern
Product: Credit reporting or other personal consumer reports

his was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments
Product: Credit card

I have XXXX late payment with this account. My brother passed away and I was emotionally not stable. I called the credit card company to ask them to remove the late payment, but they would n't. I have never been late except for this one time.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Open