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

To whom it may concern, I am writing to update/correct my personal information on file with your company.

Please update my address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX IL XXXXXXXX Please update my name XXXX XXXX My only correct date of birth is XX/XX/year> I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I attempted to deposit {$100.00} in cash to a Huntington bank ATM on Saturday XX/XX/2023 at approximately XXXX XXXX at the branch on XXXX XXXX in XXXX XXXX. The ATM took my cash but did not credit my account or give me a receipt. I have tried 4 times to call the bank and they keep transferring me to customer service but there's no option for the problem that I have. The folks at the branch keep telling me there's nothing they can do and they hang up on me. I've not been able to get any resolution and I've lost {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$680.00} XXXX  XXXX   XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX-XXXX   XXXX {$490.00} US DEPT ED XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX/XXXX  XXXX {$530.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$170.00} XXXX/XXXX  XXXX {$700.00}
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX. 
the account is accurate, without providing any evidence di a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX inaccurately reporting XXXX XXXX 90 days late, XXXX XXXX  120 days late Same Loans reflected good standings with Dept of Education XX/XX/year>, XX/XX/year> Disaster forbearance applied XX/XX/year> and Dept of education has no record of my loans being past due 90-120 days
Product: Credit reporting or other personal consumer reports

Errors were placed on credit report. FICO score before errors were XXXX - XXXX on the XXXX bureaus with Financial Aid negative report.

Errors were corrected and false reports were removed but FICO scores were not corrected, FICO scores plummeted. In fact, I requested FICO score be corrected in writing with every contact FICO scores decreased XXXX times. The FICO scores only plummeted. 

With every request to correct FICO score FICO scores plunged. Now with only positive payment history FICO score is XXXX from XXXX - XXXX. With only on time payments and false negative reports removed from credit reports. 

Only positive payments have been reported to all bureaus. FICO scores should increase not decrease. This is fundamental logic and reasoning. FICO scores should not plunge with positive payment history and erroneous negative reports removed. 

Financial aid was on account with score of XXXX - XXXX. 

What I have learned in my wisdom is that if someone is complaining often and are upset if you only listen ; 90 percent of the time that individual has a very valid point and is rightfully upset. 

Please do not minimize my complaint based on the amount of complaints I have submitted. This is by design. Financial theft, abuse and loss is happening to certain demographics that institutions are banking on those individuals not being heard. 

Thank you for all you do,
Product: Credit reporting or other personal consumer reports

I requested that Equifax remove all inaccurate information from my credit report specifically about a debt collection from XXXX XXXX XXXX, failure to do so is violation of 15 USC 1692 ( C ) ( C ) AND 15 USC 1692 ( G )
Product: Credit reporting or other personal consumer reports

Demand for Permanent Removal of Invalid Collection Accounts and Compensation for Violations I am writing to demand the permanent removal of three invalid collection accounts from my consumer report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Practices Act ( FCRPA ), Uniform Commercial Code ( UCC ), and privacy laws. These accounts have been reported by : XXXX XXXX ( {$1100.00} ) - reported since XX/XX/XXXX ( 34 months ) XXXX XXXX XXXX XXXX ( {$8600.00} ) - reported since XX/XX/XXXX ( 9 months ) XXXX XXXX XXXX XXXX ( {$6400.00} ) - reported since XX/XX/XXXX ( 6 months ) Each of these accounts has had a XXXX filed by the original creditor, indicating that the debt has been forgiven. Despite this, your company has allowed these collection agencies to furnish my non-public personal information and report invalid debts, causing harm to my reputation and credit score.

I invoke my rights under : FCRA 615 ( a ) ( 1 ) ( A ) : Furnishing false information FCRA 615 ( a ) ( 1 ) ( B ) : Failure to correct errors FCRA 623 ( a ) ( 1 ) : Failure to ensure accuracy UCC 3-419 : Unauthorized reporting Privacy laws : Unauthorized disclosure of non-public personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, Rushmore Loan Management, that my loan was being switched to their servicing division, Rushmore XXXX XXXX. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 
Why am I being penalized for an arbitrary change the company made? Is this a way to detract from the credit worthiness of its mortgagees? How do I get credit for my loan being in good standing? 
This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 
Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. I shouldn't have to be downgraded for an accounting change made by this company. 
Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX {$320.00}
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof including certified copies of both the contracts and supporting tax documents. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Product: Credit card

XX/XX/23 Received email ( attached ) from Chase of suspected fraudulent charges. 
XX/XX/23 Received emails ( attached ) from XXXX XXXX with fraudulent order information. 
XX/XX/23 Called Chase to confirm the transaction was fraudulent and unauthorized. Chase issued temporary refund, cancelled card and sent out new card. 
XX/XX/23 Letter issued ( attached ) that they were investigating fraud. 
XX/XX/23 Letter issued ( attached ) that I am responsible for fraud charge. 
XX/XX/23 Called to discuss their investigation. Someone was supposed to contact me within 4 business days. Never received a call. 
XX/XX/23 Contacted Chase again to discuss their investigation. They let me know they would send documents identifying how they determined it was not fraud. 
XX/XX/23 Filed police report ( attached ) with XXXX XXXX Police Department. 
XX/XX/23 XXXX was issued showing how they determined I was responsible for fraud. 
XX/XX/23 Emailed Chase copy of police report. 


The letter Chase provided only shows email from XXXX XXXX with order information. There " proof '' that I purchased this item was that the name, phone number, email address and billing address matches what is on file. I stated this is all public information and is not proof I made purchase. Best Buy/Chase failed to cancel transaction, failed to ask for CVV, failed to check government issued ID at time of order pickup and failed to check for card using to make purchase at time of order pickup.
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 XXXX XXXX XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw inaccurate accounts on my credit report. I always check my report regularly, but this time, there were unexpected errors. I even refreshed my browser, thinking it might just be a glitch, but the accounts were still there. This whole situation has left me uneasy, and I'm asking that the documents Ive sent be reviewed carefully so I can finally stop worrying about it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, XXXX, and TransUnion. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX 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 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 Zelle has not only neglected to protect consumers but 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 consumer safety.
Product: Credit card or prepaid card

For almost a month I have been locked out of my account with my vanilla card not able to access any funds and they will not release yhe hold on my card. I have sent in verification and they say its not valid even though it shows name, address, amount owed on bill, and the date. Everything they said I needed to show. I want my money
Product: Credit reporting or other personal consumer reports

This is my current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with XXXX in the past 2 years. I contacted Experian on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact XXXX directly. I contacted XXXX on the same day and submitted an investigation into such inquiries. I never received any answers from XXXX and the hard inquiries still show on my report. 

Then on XX/XX/2021, a new credit card from XXXX was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with XXXX in the past 2 years. I contacted XXXX again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report. 

Attached please see Experian report with the disputed account and hard inquiries highlighted in yellow.
Product: Credit card or prepaid card

I have an XXXX store card and was supposed to be receiving 5 % cash back on all my purchases, I have not received any 5 % cash back promos since XX/XX/XXXX. After speaking to Synchrony I was told I do not have an XXXX XXXX, I do however have an XXXX XXXX account.
Product: Mortgage

Acct # XXXX I have tried numerous times to reach out to Shellpoint mortgage to escalate the payments from XXXX. These payments are sent every month at the end of the month for the following month. I am now missing two payments. The payment for XXXX sent to previous mortgage company ( XXXX  ) received on XX/XX/22 was a missing payment that has never been applied. I was told previously by XXXX XXXX that this was found and going to be applied but never has. This has caused my account to show 60 days late. The current payments that are being sent are taking 30 days to be posted to my account as well. I have tried reaching out and explaining this but get no response as to when this matter will be handled. Since this missing payment has never been applied it is causing the payments coming through to post to the month prior.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Cease Unauthorized Inquiries and Rectify Violations Dear TransUnion, I write with utmost concern and urgency regarding the blatant violations present on my credit report. The following unauthorized inquiries have been made without my explicit consent, constituting not only a severe breach of privacy but potential identity theft : 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 This egregious violation not only questions the integrity of my personal information but raises serious concerns about identity theft. In addressing these unauthorized inquiries, several key legal violations come to light : 1. **Fair Credit Reporting Act ( FCRA ) Violations : ** - Section 604 : The inquiries lack permissible purpose, violating my rights to privacy.

- Section 606 : The disclosure of investigative consumer reports occurred without proper authorization.

- Section 609 : I have not been provided with adequate disclosures about these inquiries.

- Section 611 : The procedures for disputing inaccuracies have been overlooked. 

2. **South Carolina Consumer Protection Code Violations : ** - Title 37, Chapter 20 : Unfair or deceptive acts or practices have been committed.

- Section 37-20-110 : The unauthorized inquiries are clear violations of this code.

- Section 37-20-160 : Procedures for correction of inaccurate information have been disregarded.

I demand an immediate and thorough investigation into these violations, with prompt removal of these unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress for the damages incurred.

Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. 

This complaint was construed and submitted in good faith.