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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX 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 XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX24
Product: Mortgage

I have been in the process of obtaining explanations for questionable activity on my account. Obtaining a valid explanation has proven to be a daunting process until I filled my last complaint through the CFPB. Now that a line of communications has opened up and Shellpoint Mortgage Servicing company is willing to start addressing the customer service errors, I have drafted a list of the banking transactions and personal customer service errors the account has experienced. 

Please find a RESPA Qualified Written Response letter laying out the concerns over the accounts servicing errors.
Product: Credit reporting

I applied for a car Loan on XX/XX/XXXX and my credit file was blocked, was not provided to the dealership, however other credit reports where provided by others. You provided information that my file had insufficient information. I filed a dispute. You stated " Equifax has reviewed your complaint and its records regarding your dispute. You had a security freeze place on your credit file XX/XX/XXXX and you requested it to be deactivated on XX/XX/XXXX. If the dealership tried to accessed your file it was blocked at that time. A copy of your Equifax credit file has been mailed to the address listed on your file ; please allow 7-10 days for delivery. Please visit us at www.Equifax.com/personal to learn more. " However you are ignoring the fact that you said the freeze was removed, but it was in place on XX/XX/XXXX. Why did you refuse to provide my credit report? There was no freeze per your own account above. I have full copies of your response to the inquires. They do not say a freeze they say insufficient information, Since you will not respond here and are still blocking my report, I assume, but will pay someone today. I guess the next step is a lawsuit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of 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. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A written request was sent to all 3 credit reporting agencies requesting both my credit file and credit report. Neither company has responded and are violating my consumer rights by withholding my personal information.
Product: Credit reporting or other personal consumer reports

hard inquiries that I don't realized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60-90 ) days late on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 4 time I have requested documents for a disputed account and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. The accounts that are in error are as followed : 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: Money transfer, virtual currency, or money service

I am writing to communicate my concerns regarding Zelle 's mishandling of multiple disputes that I submitted claims on. This comes to light even more given CFPB 's lawsuit which focused on significant issues with Zelle 's platform. Despite using Zelle multiple times for my banking and everyday life transactions, my financial institutions and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that there was nothing else they can do to help rectify the issues. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit and hack the system. This has caused for myself, and others, to be victims of scams and losing money that we work diligently for. Zelle 's ( and my banking institutions ' ) lack of accountability and transparency is unacceptable and has raised critical concerns about consumer safety, our personal information, and our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from Equifax in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had one late payment on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

On XX/XX/2023, two fraud accounts at Chase were opened under my name ( Checking and Credit Card ). I went to Chase branch location and they quickly closed the accounts. 


Not sure how my info go out there.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Breaus has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my Experian, XXXX and XXXX credit file. 
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 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: Student loan

I applied for a loan in XX/XX/2010 to attend a class as a XXXX XXXX at XXXX XXXX. I received a loan in the amount of {$8500.00}, which was distributed in full. The loan was initially with XXXXXXXX XXXX  and was then sold to Discover Student Loans. As of today I have paid {$10.00}, XXXX and according to my last statement {$1400.00} has applied to principal and {$8700.00} has been applied to interest. I have paid more than the original amount of the loan and I still have a balance of {$12000.00} on a {$8500.00} student loan for one semester at XXXX. Is there some law or rule regarding excesses payment? I agree I have a variable rate and I have deferred the loan for about 3 to 4 years. However by time I am finished paying off this loan it appears I would be paying at least 4 times the amount of the loan in interest. Is there anyway this can be rectified? is there any rule or law that can help someone like me in this situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reader, I am reporting a complaint and potentially I may even file a law suit against Experian, XXXX, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Ally finance. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. XXXX XXXX  was the only company that said they will send an email to XXXX  stating that I did not give them permission to run my credit but XXXX  says they never received anything.
Product: Checking or savings account

Dear XXXX  XXXX XXXX, I am writing to report an unauthorized withdrawal of {$5300.00} from my Chime account. Initially, I believed the transaction was related to providing my card number to an insurance provider for the purchase of life insurance. However, I later discovered that the funds were withdrawn directly from my account using my card, which was no longer in my possession. 

Upon further investigation, I learned that my XXXX XXXX was responsible for draining my account. I never provided him with access to my card or account. It appears XXXX  and XXXX XXXX XXXX have used my XXXX XXXX to purchase food, and since my XXXX XXXX  and Chime card share the same PIN, I suspect that he obtained the PIN through that method and used it to access my Chime account. 

I have contacted Chime XXXX  multiple times, but my claim has been consistently denied, with the explanation that no errors were found in the transaction. Given the circumstances, I strongly believe my account was compromised, and I would appreciate a thorough investigation into this matter. 

Please advise on the next steps for resolving this issue and recovering the stolen funds. I appreciate your prompt attention to this serious matter. 

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

XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX  collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XX/XX/XXXXXXXX XX/XX/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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the companies on XX/XX/2020 if I paid the following accounts off to a zero balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agencies. XXXX XXXX XXXX, XXXX It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised.
Product: Checking or savings account

I opened a Capital 360 account on the premises that I would receive a {$400.00} bonus. I called two times to ensure I qualified for the deposit, and each time I was told yes as long as I get my two {$250.00} direct deposits. I switched over my direct deposit to this company just on this reason. Now when I get both qualifying deposits, I am being told I will not get the bonus. This is deceptive practices because twice, representatives from Capital One assured me I would get the deposit. Now, a supervisor told me to XXXX and provide the link where i got the promotion code. Why is that burden being put on me? I do not remember where the code is and the code expired as ofXX/XX/XXXX. There is no way I can obtain this information! I will like the {$400.00} bonus that i put the XXXX code in for and was guaranteed to get by both representatives I spoke with.
Product: Credit card or prepaid card

I called the customer service number on my credit card and asked them to cancel my credit card. They said system is unable to do so and they refused to cancel the card. Instead, representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX
Product: Mortgage

I received an offer fro Capital One to refinance my home. I called them to get the process started and submitted all of the requested documents through their loan document tool. I received phone calls nd emails stating they had not received documents. Iwastold by XXXX XXXX, Mortgage Lending Spec, to email docs directly to her. I did confirmed on the phone that she had received everything. I called the title company to followup on an email I received and was told that my file was closed. I contacted XXXX to ask what happened and was told I needed to speak with XXXX XXXX who was my Loan Officer. XXXX was out of the office. I followed up with an email on XXXX stating that my fil was closed and I have n't received phone call, letter, or email stating why nd that my credit score took a really big hit from this process. I would at least like an explaination. I till have n't received any feedback. I have a right to know why my refinance did n't go through and Captial One has n't been forth coming with any information.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!