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

Dear Consumer Financial Protection Bureau, I am filing a complaint against Procollect ( Account # XXXX ) and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing an alleged debt of {$6200.00}, which Procollect is attempting to collect. The name on the account is XXXX XXXX, while my name is XXXX XXXX. My date of birth is XX/XX/year>, and my cell phone number is XXXX. 

I have requested debt validation from Procollect, but have not received it. I have also contacted XXXX XXXX XXXX  and provided my identification via email, but they have refused to provide me with any documentation related to this debt, including the original lease agreement and an itemized breakdown of the charges. 

I believe this debt is inaccurate and potentially fraudulent. Both Procollect and XXXX XXXX XXXX  are refusing to provide me with the information necessary to verify this debt, despite my legal right to this information. 

I request that you investigate this matter and take appropriate action. 

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

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX XXXX
Product: Credit reporting

RE : XXXX XXXX XXXX, ( XXXX ) ; Acct. No. XXXX ; XXXX is reporting that my account is a 'Bad Debt ' and is 'in Collections ' ; they also are reporting that I am making payments of {$5.00} per month for 5 months and that I have a balance of {$22.00}. This account has been paid. I have contacted XXXX numerous times about this account and what they are reporting. I paid XXXX {$22.00} on XXXX XXXX 2015. I received a confirmation letter on XXXX XXXX 2015 sent by XXXX, XXXX Customer Service. This is adverse to my credit, being reported to Equifax , and I would like it removed. 

This circumstance of XXXX reporting that I owe {$22.00} and making payments of {$5.00} a month for 5 months is irrational in that even if I were making payments of {$5.00} per month ... the balance would be paid in full in five months. But, XXXX continues to report the same information month after month ( more than five months ) that my account is ' a bad debt ' and in 'collections '. Even after speaking to XXXX, they still continue reporting the same incorrect information thus continuing to damage my credit. As noted in the attached letter, ( XXXX 's letter of payment and apologize ) for their improper attitude ... XXXX still continues their damaging reporting. The entire matter was about a disagreement of {$22.00} that I finally paid just to end the matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to XXXX failure to investigate my disputes in violation of FCRA regulations. According to XXXXXXXX XXXX website, they outline the acceptable forms of ID verification required for disputing inaccuracies on credit reports. I followed their instructions and submitted the proper verification. However, instead of processing my disputes, they sent me a letter claiming that my disputes were not submitted by me and that they would not proceed with investigating my claims. 

XXXX engaged in the same conduct, also in violation of the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputes. Meanwhile, Equifax failed to respond to my disputes altogether, further violating FCRA guidelines. 

I have attached all affidavits sent to each credit bureau, along with the exact same forms of ID that were submitted with each dispute. Please review the attachments for further details. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law 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

Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXXXXXX XXXX
Product: Mortgage

I'm selling a property that is being serviced by Fay Servicing. The mortgage was originated in XXXXXXXX XXXX XXXX roughly 18 months ago. Since I'm selling the home, I noticed a prepayment penalty on the payoff statement. The prepayment penalty is equal to 4 % of the loan amount. 

I don't recall receiving disclosures or counseling for this loan and was surprised to see such a high prepayment penalty, much less any prepayment penalty. On XX/XX/XXXX I requested via email to Fay Servicing that they provide me with the documentation that I either received or denied the right to receive HUD counseling for this high cost loan. 
Fay Servicing responded with an automated message that they would respond to me within 3-5 business days. 

I feel as though the prepayment penalty on this loan is deceptive and I was taken advantage of. If I am provided with the proper documentation proving that I was given the proper notices, I will accept that I made a mistake and they gave me proper disclosures. However, If I'm not provided with those disclosures then I would like the prepayment penalty to be waived. The prepayment penalty is over {$4000.00}.
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 than 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. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXX XXXXXXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple violations of the Fair Credit Reporting Act ( FCRA ) as found on my credit reports managed by XXXX and Experian. These inaccuracies and unauthorized entries include : 1. **Misrepresentation of Personal Information : ** - XXXX incorrect alternate names ( XXXX. ), whereas the only legitimate name as per my XXXX Driver 's License is XXXX XXXX XXXX. 

2. **Inaccurate XXXX Details : ** - XXXX unmailable addresses are listed, which are erroneous. 

3. **Account Discrepancies : ** - XXXX accounts are either inaccurate, unknown, or unverified, and remain uncorrected despite my disputes. 

4. **Unauthorized Inquiries : ** - XXXX XXXX XXXX hard inquiries are reported without verification or my consent, constituting a breach of my rights. 

According to 15 USC 1681, Section 602 ( a ), consumer reporting agencies must handle their duties with fairness, impartiality, and a high regard for consumer privacy. XXXX and Experian, as consumer reporting agencies, have failed in this respect. Moreover, 15 USC 6801 emphasizes the obligation of financial institutions to protect the privacy and confidentiality of consumer information, which has been neglected. 

Per 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports under strict circumstances, primarily with the consumers explicit written consent, which in my case, was neither sought nor given. I hereby revoke any form of consent for XXXX, Experian, and the furnisher of information to these agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Additionally, 15 USC 6802 ( b ) ( c ) mandates that a consumer must be informed about and must consent to any disclosure of nonpublic personal information. This right was never presented to me, hence violated. 

The reporting of outdated or inaccurate adverse information contravenes 15 U.S. Code 1681C ( a ) ( XXXX ), as no consumer reporting agency should report adverse information older than XXXX years or inaccurate data. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies. Both XXXX and Experian have continued to report inaccuracies despite clear evidence provided in my disputes. They also fail to maintain reasonable procedures to prevent these violations as required by 15 U.S. Code 1681e. 

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services immediately. 



Thank you for your immediate attention to these serious matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining a copy of my credit report, I exercised my right under 15 USC 1681I ( 5 ) to request that the credit bureaus verify the accuracy of the information contained within it. Despite waiting for 30 days, the results of the investigation remained unchanged. The consumer reporting agencies, including Equifax, XXXX, and XXXX, did not modify or remove any information from my report. 

I have identified several inaccuracies within my report, including the incorrect date open, date last active, and date of last payment. These errors constitute a violation and are preventing me from being able to purchase a home. The impact of these inaccuracies on my credit report is significant, and I am requesting that the credit bureaus take immediate action to correct these errors in accordance with the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXXXXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX LATE PAYMENT XXXX XXXX Balance {$2600.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my inaccurate information on my credit report. I pulled my credit report on XX/XX/ and notice my personal information was incorrect. I then sent my dispute letters certified mail with proof of my identity & proof of residency by providing a bank statement on XX/XX/ to all three credit bureaus TransUnion, XXXX and XXXX to fix the inaccurate information. I even called on several occasions neither credit bureaus wanted to fix the inaccurate information even though I verified my identity over the phone. Its been a headache the way the credit bureaus handle consumers its like they get a kick out of not helping people fix the inaccurate errors. I will like if they stop violating the FCRA by reporting inaccurate information on my consumer credit file. My name should only be reporting just like my ID as XXXX XXXX XXXX and only ONE address XXXX XXXX XXXX  and only ONE city, state, Zip code XXXX XXXX IL XXXX, MY DATE OF BIRTH XXXX should be corrected as well XXXX REFUSE TO CORRECT MY BIRTH YEAR. This correction should be easy to correct just like my dispute letter stated. TransUnion feel as though due to me trying to correct my inaccurate information that Im working with a third party credit repair company. XXXX XXXX the supervisor of TransUnion was the most disrespectful person to deal with consumers. He really argued with me that Im working with a third party company the amount of time he put in to go back and forth with a customer is ridiculous. I pray he find another profession that fit his need because he constantly insists on not correct the inaccurate information.
Product: Mortgage

Chase Mortgage sent inspectors to intrude into my property unannounced and make harassment calls. They are also charging me fees for this process. The mortgage payments are up to date, I requested Chase to stop this type of harassment as it 's not warranted. I have been a long term customer with them and have several accounts. This is not acceptable and not a fair treatment of the customers in good standing but with financial difficulties due to loss of income.     This is what they stated : Date :  XXXX   XXXX  From : Home Finance Support Subject :  XXXX  : Payment Inquiry Message :  XXXX  Hello   XXXX   : After reviewing your email, I can certainly understand your wanting to get this taken care of in a timely manner.   My name is  XXXX  and I am happy to assist with your escalated request regarding the recent inspection fees that were applied to your account.      XXXX , whenever a loan is  XXXX  calendar days or more past due, a property inspection is completed to determine whether the property is vacant or damaged. We charge a {$14.00} property inspection fee and we send are  XXXX  party vendor  XXXX   XXXX   XXXX   XXXX  to inspect the property.     Unfortunately, the inspections are permitted by your Security Agreement and the Department of  XXXX   Housing and Development   (  HUD ) guidelines. Since your  XXXX    XXXX   payment was received until  XXXX   XXXX ,   XXXX  , we ordered an inspection of the home to ensure the home was n't vacant or damaged.     We apologize for any inconvenience this temporary problem has caused and are committed to delivering the best service possible.     Sincerely,  Chase  Escalations and Support Services ( ESS )  XXXX   XXXX  TTY/Text Telephone www.chase.com
Product: Credit reporting or other personal consumer reports

XXXX XXXX I couldnt see my credit score updates or refresh the XXXX XXXX credit Bureau at all im subscribed to Experian been paying for services and have not received it for months I sent information regarding this situation and received nothing at all..
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and I'm still disappointed with what came up. The inaccurate accounts are still showing up on my report. I asked for the removal but nothing happened. So I am asking once again to please check the documents I've sent regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

Letter from Pioneer Credit Recovery , Inc Date of letter : XX/XX/XXXX  Amount of debt : {$1700.00} Actions : They are trying to collect a debt that I owe to the DOD ( Department of Defense ). 
The debt was referred by the U.S Department of the Treasury, Bureau of the Fiscal Service. 
Concerns : I believe that I do not owe this debt and should have more information about why and how did I get this debt. I have no idea or clue of the reasons why all this happen without my consent and I think it's a scam. And lastly I should have a lawyer or a representative too. 
Thank you.
Product: Credit card or prepaid card

Most recent report of inability to use past payment activity feature of online account management occurred on XX/XX/XXXX. I requested a past payment activity report of ( 2 ) YTD. <P/>Statements for this account are not received regularly. Account information does not transfer over correctly into XXXX and the timeframe of the account information that is available online keeps decreasing.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits outside of the Capital One institution. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.