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

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to remove fraudulent items from my credit file. I believe there may be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been diligently monitoring my credit file to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove fraudulent items from my credit file without my consent. Immediately rectify any inaccuracies or errors related to my credit file that may have arisen from these removal attempts and provide me a written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit file should be based on accurate and verifiable information. I kindly request that you respond to this complaint within exact timeframe and take the necessary actions to rectify this situation. With this issue, I am asking for your assistance to remove the fraudulent items : XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX OF XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX OF XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan

XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.
Product: Payday loan

I have a payday loan with a company called Balance Credit. I took out a {$800.00} loan and have made payments of {$1900.00} and my balance has not decreased. They are still wanting an additional {$1900.00} in order to settle the balance. This should be illegal if it is not already so. This is usury lending.
Product: Mortgage

I am offered a Modification with very little information other then a Trial Payment of {$2700.00} from SHELLPOINT MORTGAGE SERVICING- The Contact agent will not give me the interest rate or the MORTGAGE AMOUNT- this is the third time and I am not going to pay {$8300.00} to fined out in XXXX to XXXX that a TON of Money is added to back end of the new NOTE-
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are XXXX, Experian and XXXX!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 

The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX - XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of This is a clear violation as I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier this month : Equifax - Tracking Number XXXX - Delivered XX/XX/XXXX XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX, XXXX pm XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX XXXX pm -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents. 

Please send me a written confirmation that you have blocked this information from appearing on my credit report.Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I opened a new savings account with SunTrust. On XX/XX/XXXX I recieved an email stating that checks had been ordered for the savings account and were being shipped to me. I did not request any checks because I have no desire to spend the money from the savings account. I then recieved a follow up email saying the checks had been shipped. 
When these checks never arrived at my home, I reached out to SunTrust, they transferred me to the check company, who then transferred me back to SunTrust and then SunTrust once again transferred me to the check company. Finally on my last transfer to SunTrust, I was able to speak to someone who would take the time to look into the situation. 
I was told that a stop was being put on the checks that have been lost somewhere in the world but that anything already in process or anything that happens digitally due to this error would not be covered. 
I was then told I would recieve an email confirming the stop payment for these checks and I still have not received this confirmation.
Product: Checking or savings account

Early warning systems has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 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. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to Equifax, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state 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 is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedure. 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 service.
Product: Checking or savings account

I closed on a real estate deal with a title company XXXX XXXX XXXX XXXX  on XX/XX/XXXX. A check for {$39000.00} was issued to my XXXX XXXX XXXX XXXX. I then had a bank account created for XXXX XXXX XXXX at Chase Bank on XX/XX/XXXX. The account was approved and opened XX/XX/XXXX. I deposited the check via mobile deposit XX/XX/XXXX. The check was placed on hold and my account was closed due to Chase stating they were unable to verify the check with the issuer, however they are calling the wrong number. They are stating that the active business number for XXXX XXXX XXXX XXXX [ XXXX ] is not the number they have in their database and does not pass their security release tool. They informed me the number they have ends in XXXX. This is no longer an active number for XXXX XXXX XXXX XXXX. The check was also cashed so XXXX XXXX is unable to place a stop payment on the funds. Chase has cashed the check and is just holding my funds and refusing to release them into my account. However, I was able to escalate to a supervisor at Chase Friday XX/XX/XXXX who reopened my account and called the active business number in which XXXX XXXXXXXX XXXX XXXX verified the check. I have also spoken with XXXX XXXXXXXX XXXX XXXXXXXX and confirmed they spoke with two people from Chase to verify the check. The supervisor I spoke to on Friday told me on a recorded line that my funds would be available Monday, XX/XX/XXXX. When I checked Monday they were still being held. I called again and they said it would take 5 to 7 business days to clear and be available in my account. Today is Tuesday XX/XX/XXXX and I have been told multiple times that they will not release my funds. Ive filed a complaint with the Consumer Financial Protection Bureau XX/XX/XXXX around XXXX. I then left work and spent two hours in a Chase branch ( XXXX XXXX XXXX XXXX, PA XXXX ) XX/XX/XXXX being helped by XXXX XXXX. She exhausted all options and tried her hardest to get a solution but was unable to do so. The branch escalated a complaint and said they will be sending over information on who the case will be passed to within 24 hrs. I was given a call slightly before EOD Tuesday XX/XX/XXXX stating my funds would be deposited into my account in 3-5 business days. Today is XX/XX/XXXX and I still have no access to my funds and my account balance says {$0.00}. I spoke to the same branch over the phone this morning who told me they are working on the issue. However, XXXX is XX/XX/XXXX I have a mortgage due that I can not pay as well as another investment I need these funds to take to the closing table in two weeks. This feels like racial discrimination, and has caused me mental harm over the last month. I am late on several bills that I have to pay as business expenses and interest and late fees have been added. I need these funds today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information that is being reported on my credit file by all three Credit Reporting Agencies Experian, XXXX and XXXX. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Product: Money transfer, virtual currency, or money service

This is a resubmission or my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( EFTA r the CFPB 's lawsuit filed XX/XX/scrub>XXXX XXXX XXXX XXXX ), Zelle failed to imp adequate fraud prevention meas estigate consumer claim over {$870.00} XXXX in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX AND THEY TOLD ME THAT ANYONE CAN GET A POLICE REPORT AND FILE A CLAIM. SHE MADE IT SEEM THAT REGARDLESS IF I DID AN IDENTITY THEFT THEY WOULD STILL LEAVE IT ON MY REPORT BECAUSE THE CLAIM THEY HAVE ALL MY INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached hereto please find a pertinent portion of the furnished information by Chase to XXXX, which claims that Chase charged off this account 32 times! It means that Chase received 32 times tax creditfor charging off one account.

This is Internal Revenue Service Code violation and amounts to : perpetrating fraud on Internal Revenue Service underTitle 26 of United States Code 7206, Committing mail fraudunderTitle 18 of United States Code 1343, Violationof FCRA or in simple languageTitle 15 of United States Code section 1681, and California 's Consumer Credit Reporting Agencies ActCalifornia 's Civil Code 1785.25 ( a )! 
If Chase believesthat this account is legitimate, Chase can only discharge itONE TimenotTHIRTY TWO Times!

Since the impact is 32 times more severe on me than only one time, accordingly I am a tort-victim and Chase is tortfeasor, with respect to the civil action under 1785.25 ( a ) and 15U.S.C.1681. 
This matter has been brought to attention of CHASE on numerous occasions, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment Other Inquires I didn't authorize 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: Credit reporting, credit repair services, or other personal consumer reports

I do not agree that the said amount of debt is owed by myself, to XXXX XXXX XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.