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

15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Debt collection

I received notice of this debt and immediately called to request debt validation on XXXX/XXXX/XXXX. I never received a debt validation letter. This is not my debt, however, a few weeks ago I called to settle it because I want it off of my credit report. I am going to be buying a house in the next four months and I want this debt removed because it is not mine and because I want to take advantage of the best credit rates I can get.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party. I have attached documents for your review. The credit reporting agencies are reporting INACCURATE/ INCOMPLETE accounts on my consumer report. As a consumer I have a right to 100 percent accuracy on my consumer report. Please review the documents and update the information. Thank you.
Product: Debt collection

Over the course of the last 60 days, I have been receiving random text messages from a MRS collection agency. As most of us do, I disregarded the message as spam. I also have received daily calls from a local area code and again never answered thinking it was a robo call. Today, I noticed on my credit bureau a collection account from MRS for the amount of {$670.00}. A call then came in from the same local area code and I answered it. It was this MRS collection agency. They stated I owed {$670.00} on cable boxes from XXXX XXXX. I told them the house where those were located was sold over a year ago and my ex wife was to have returned them as I do not have them. They demanded the {$670.00}. I asked if they ever sent a bill or 30 day notice as required by the State of Nevada and they stated it was sent to the old address. I complained that I was unware of the liability since I was never, ever notified and by law I had 30 days to dispute or pay it upon receiving the letter. I told the collection agent that I am more than capable of paying the bill but that they violated FTC and Nevada collection laws by not sending notification. They said they attempted to contact me numerous times on the number they called on today. I said I never answered the call, nor did they ever leave a voicemail. More importantly, I asked why they were using " trickery '' by calling on a local 775 area code number, when they are located in New Jersey. She gave no answer to this deceptive practice. I told them I know nothing of the bill but I would pay it but first I wanted it immediately and permanently removed from my credit profile ( not just showing paid in full ) but they refused. I would like the CFPB to please contact them, have them completely remove it from the three credit bureaus ( not just show it was paid ) and protect my consumer rights. I believe a fine against them for deceptive practices would be appropriate. They have now harmed my stellar credit.
Product: Checking or savings account

Re : ROTH IRA for a Descendant Have sent 3 Letter 's of Instructions over the past 8 months to close a Descendant ROTH IRA of over {$220000.00} and still have not received a check. 

XX/XX/XXXX and XX/XX/XXXX mailed and faxed Letters of Instruction to XXXX XXXX. " XXXX '' in the IRA Dept instead XXXX documents to transfer funds into an Estate Account. We do not want to do that. We want to close the account. 


XX/XX/XXXX Sent another Letter of Instruction. No response.

XX/XX/XXXX telephoned XXXX XXXX. " XXXX '' in IRA Dept stated that " no supervisor is available '' nor " no Manager on Duty is available '' and " XXXX '' could not assist. Then she found Supervisor " XXXX '', who refused to give us his surname, to be available. 

" XXXX '' said he is a Supervisor but could not assist us. We gave him our name, account number and telephone numbers. We await 48 hours for him to read the file and get back to us. 

Descendant passed away 1 year ago and to this date, we have been unable to close this ROTH IRA account. The Descendant 's two other accounts at XXXX XXXX were successfully closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt recognize XXXX XXXX inquiry in my credit report
Product: Checking or savings account

Credit karma close my account and sent my money to the IRS instead of giving me my money so I could put in my business account after I reported to you about them not giving me a explanation for all this and still cant give me no reason, I feel they retaliated because I reported them. Credit karma banking needs to be close down
Product: Debt collection

I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from XXXX XXXX XXXX XXXX XXXX, stating that they have been hired by Chase Bank XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC XXXX XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. XXXX has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to Chase Bank USA N.A., what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a full time member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe XXXX should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against Transunion and XXXX. Because at this time the above filed a complaint againt Trasunion Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against XXXX Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX  that a true copy will be faxed to both Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018 2018
Product: Payday loan, title loan, or personal loan

This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX BALANCED {$28000.00} XXXX XXXX BALANCED {$520.00} XXXX XXXX BALANCED {$0.00}
Product: Checking or savings account

On XX/XX/07, I contacted Truist Bank to let them know I lost my card at gas station ( XXXX ) over the weekend. The claim was not submitted correctly and all of my transactions were not submitted. 


Claim # XXXX
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/XXXX is reporting an account number ( XXXX ) to all 3 Credit Reporting Agencies ( XXXX , XXXX, XXXX ) in my name.

This is not an acknowledgement of debt.

According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The account statuses reported by the CRAs are incorrect. One is reporting paid while the other is reporting derogatory.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies.

3. The Dates of last activity are inaccurate as they are reporting different dates to different credit reporting agencies. 

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these this account from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time, XXXX XXXX XXXX
Product: Prepaid card

I had filed a claim with Bank of America in XXXX oXXXX XXXX  In the claim I had provided them with a police report and a statement letter to support my claim. While I was out of country, someone broke in to my home and stole the valueable things which also included my identity info, such as my SSN and my bank cards. I tried to work with them to get my money back but they don't seem to care. This is my only source of income so not having access to it is very challenging. 

Someone stole {$7100.00} from my account and I've been contacting bank of America hoping my claim would be resolved but no they keep denying my claim. I disagree with The letter they sent me in regards to why they denied my claim. They included a footage of me withdrawing money from the atm which does not support my claim. The transactions I claimed did not include any ATM withdrawal from the bank of America ATM so I don't know how they came to the decision of denying my claim without doing a proper investigation. I need my money. I'm a victim of identity theft. This is my last attempt to trying to get my money back from the company, I will be taking legal action regarding this matter if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion and XXXX have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from transunion XXXX and XXXX and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt removed immediately!
Product: Credit reporting

My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- XXXX , and Experian. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX   with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to Calvary so they no longer report any updates.

Calvary states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX  states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is Calvary Portfolio. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Product: Credit reporting or other personal consumer reports

This is my another refilling complaint to the EQUIFAX since it seems that I was never been heard for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, Equifax refuses to correct the erroneous reporting. I have provided documentation to Equifax from the creditor, and XXXX has confirmed that they sent the proper information for Equifax to change the account status from closed to open and to update the actual balance for each account, but Equifax refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted Equifax directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. Equifax is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.
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 decrepancies, my financial institution and Zelle failed to investigate my claims edequately. They informed me that recovering lost funds was impossible and that tracking these transactions was enfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect the 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 consumer safety.
Product: Credit card or prepaid card

I have a loan with SYNCB/GAP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/GAP with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), lastly I was never 90 days late ( XX/XX/XXXX, XX/XX/XXXX )
Product: Mortgage

I shopped around and ultimately ended up going with Better Mortgage for my loan because they told me they could get it closed on time, and offered me an extremely competitive rate plus lots of closing credits, beating out the competition. 

After stringing me along for a number of weeks while they requested document after document that they then seemingly completely ignored, they told me my income was not sufficient to qualify for the loan ( it is way above what's needed ) and that if I still wanted to the loan I would have increase my down payment with a new interest rate and different closing credits. 

At this point ( I'm supposed to close on Friday, XX/XX/27 ) I clearly do not have time to get a mortgage anywhere else. 

This is a total bait and switch- had they been up front with me about : A ) not being able to close on time B ) telling me there was an issue with my income C ) explaining that they might change my rate / closing credits even though I have a rate lock in place I would absolutely not have gone down the road with them and would have used a different lender who was not lying to me. This is costing me a significant amount of money as well as wasting a large amount of my time. 

Totally unacceptable business practices, I need this addressed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  The Credit Collection Services Company XXXX XXXX XXXX XXXX, XXXX XXXX Re : Debt Validation Request under 15 USC 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt associated with XXXX XXXX XXXX XXXX. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 



In accordance with my rights under federal law, I respectfully request the following information to validate the debt you claim I owe : 1. A detailed history of payments made on the account : Please provide a complete and itemized payment history, including amounts, dates, and methods of payment, to substantiate your claim. 

2. A signed contract or agreement : I request a copy of any contract or agreement that bears my signature and demonstrates that I agreed to pay this debt to XXXX XXXX XXXX XXXX or any subsequent creditor. 

3. Documentation of any insurance claim : Please provide records of any insurance claim related to this debt, including claim details, payouts, and supporting documentation. 

4. Proof of chain of title : I am requesting proof that you have the legal right to collect this debt. This includes any documentation showing the transfer or assignment of the debt from the original creditor to your company. 



As per the FDCPA, while you were to validate this debt, all collection activity was to be ceased until you provided the requested documentation. Due to such not being properly verified and were unable to validate this debt, you are required to notify all credit reporting agencies to remove any reference to this alleged debt from my credit file. 



I look forward to your timely response. Please send all correspondence and documentation to my address listed above. 



Sincerely, XXXX XXXX
Product: Mortgage

On or about XX/XX/2020, I inquired about a mortgage refinance loan through XXXX XXXX with XXXX, however I did not complete an application. 

On XX/XX/2020, I received a call from a lady asking why I was applying for a loan on her property at XXXX XXXX, XXXX, CA XXXX. I told her I did not and she said she received documents from PennyMac to that effect and the documents included my personal information including SSN and DOB. 

I then emailed XXXX XXXX ' office and was told by XXXX that he would escalate the mistake to PennyMac. 

On XX/XX/2020, I received a Credit Denial letter from PennyMac. 

Both PennyMac and XXXX acted carelessly and irresponsibly with my personal information and should be held accountable.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that addresses and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. Fifth Third Bank has a fraudulent auto loan reporting to my consumer credit report. They provided me with the original loan contract which has invalid information on it that's not mine, the address on the contract is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature. Fifth Third Bank is refusing to remove the account in question based on a loan contract with fraudulent information attached. This would be my third time contacting them regarding this matter.