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

INACCORDANCE 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 16.81 The accounts below have violated my rights.

15 U.S.C 1681 section 602A 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 ) ( a ) 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. 

Delete the accounts below : 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: Mortgage

In XXXX, Citimortgage coerced a voluntary judgment from me for a XXXX mortgage on a home I possessed while I was still negotiating terms for loss mitigation with the XXXX lien holder. This action took place during a mediation with a mediator selected from a list they provided. I fell behind on payments as I lost my job of nearly 10 years in XXXX XXXX. I was still unemployed at the time they had me sign the voluntary judgment even though I repeatedly told them I did not want to sign it. The XXXX lienholder subsequently foreclosed in XXXX XXXX. Citi, through their third party attorneys, XXXX and XXXX, sought to have me file a notice of exemptions in XXXX XXXX based on this voluntary judgment, and I was served with this paperwork in XXXX XXXX. I responded timely with a motion to open and dismiss the judgment but my argument then was insufficient. I now see, based on the XXXX filings and now an improperly issued notice from the sheriff threatening to take my personal property if I did not respond by a date certain ( came regular US mail ), that Citi and their attorney have dealt with me unfairly, fraudulently and illegally, particularly in light of the XXXX XXXX, XXXX Consent Order to Cease and Desist foreclosure activity against borrowers with pending proceedings from XXXX XXXX, XXXX through XXXX XXXX, XXXX, and the subsequent Consent Judgment of XXXX XXXX which afforded balanced remedies and/or restitution to borrowers in this category including XXXX. I was a qualified borrower. However, I was never notified by Citi or its attorneys of the Consent Order, Consent Judgment or any potential rights or remedies I may have had under them. I believe they deliberately rushed to get the voluntary judgment against me in XXXX in order to exclude me, and they did, in fact, exclude me from being a borrower under the Consent Judgment even though I did qualify. I have suffered irreparable financial harm from CitiMortgage and its third party attorney, XXXX and XXXX by their not following the Consent Order to Cease and Desist action against me and then by excluding me from the Consent Judgment where the balance on the XXXX mortgage may have been resolved under XXXX and/or other provisions, and then by their continuing to pursue the full balance of the mortgage plus accrued interest, for which they also did not properly document the ownership of the debt.
Product: Credit card or prepaid card

In XXXX XXXX  XXXX I got a citizens clear value credit card, XXXX XXXX interest free, I did a balance transfer of XXXX dollars .in XXXX when I opened my bill Isaw that there were 3 charges on my bill that I did not authorize the first one on XX/XX/XXXX XXXX a charge of XXXX to XXXX on XX/XX/XXXX a charge XXXX to XXXX and on XXXX XXXX a charge of XXXX I immediatly called their fraud dept. and reported it they told me they shut the card down and would investigate the matter said it would take 2 or 3 weeks. I called them on the XXXX XXXX  XXXX on XX/XX/XXXX they sent me a letter stating that they completed their investigation and that I was responable for the charges and that the amount of XXXX would begin accuring interest and be included in my regular bill. I again called their fraud dept. and their represent stated that I wasnt responable for the money but their manager would call me back .I called 7 or 8 times no one ever called me backI continued to make my monthly payments until I paid every dollar that I owed after that I called and Told Them i wasnt making any more payments.now they haressing me with phone calls and letters and reporting me to the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint despite multiple requests regarding these inaccurate informations. The inaccurate items listed below continue to report on my credit report, in violation of federal law. If you do not remove these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These items must be deleted right away : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 Opened XX/XX/XXXX Balance : {$0.00} ; XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with UAC/CARHOP with account number : XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Product: Money transfer, virtual currency, or money service

I am writing to state my concerns regarding Zelles handling with disputes, In the light of recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle and my financial institutions numerous times, Zelle failed to investigate my claims. They informed me that recovering lost funds is impossible. CFPBs findings indicate that Zelle not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving the consumers vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX XXXX  opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX opened XXXX XXXX and closed as a XXXX XXXX in XXXX. 

CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXX XXXX  opened XXXX XXXX XXXX opened XXXX twice XXXXXXXX XXXX XXXX XXXX  XXXX CITI BANK CHECKING /SAVINGS XXXX XXXX XXXX XXXX XXXX  XXXX. 

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

I noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete one ) XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC Code 1681i ( 5 ) Treatment o inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item or the information is found to be inaccurate or incomplete or can not by verified, the consumer reporting agency shall- ) promptly delete that item of information from the file of the consumer. or modify that item of information, as appropriate, based on the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information : XXXX. XXXX XXXX XXXX - The personal information is incorrect -please remove this from my credit report immediately Accounts : XXXX. ( XXXX XXXX  ) /XXXX  XXXX XXXX XXXX XXXX This account is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

tHIS IS MY FOLLOW UP COMPLAINT THAT I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Mortgage

We have been trying to resolve our past payments that were missed with our lender PHH mortgage. We tried to set up a payment plan over the phone with the lender PHH, had a verbal agreement of {$5000.00} dollars a month in XXXX, never received any formal information in the mail as promised and had our {$5000.00} check refused ( see attachment ). In XXXX, we sent {$10000.00} to the lender, but they said it was not received. In XXXX our mortgage statement was {$22000.00}. We sent a check over the amount for {$23000.00} that was refused due to insufficient amount to cure default. The funds we provided before the XXXX of the month, but yet not only refused and still late fees were applied ( see attached ). Upon calling our lender, multiple times, being told that we will hear from the foreclosure lawyer, not given a number to contact, calling again to get a number, given a number, emailed the assigned lawyer but still no contact or ability to clear this up. We currently have a monthly statement for XXXX for {$26000.00}. We have the funds to pay this amount and am currently working with someone at XXXX to help clarify with the lender of what is actually needed. We will be contacting the lender again tomorrow together XX/XX/2019 to get a clear answer on what is actually due..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$83.00}
Product: Checking or savings account

Chime closed my account for no reason, with no warning, withholding {$10000.00} of my money, and failing to provide my XXXX  Tax forms after repeated requests. They committed in writing to mail paper copies of my XXXX tax forms to my home address no later than XXXX, and stated in writing that if I did not receive the forms to reach back. I have reached back and they refuse to provide the forms stating that my account was closed for a policy violation - which they refuse to explain stating it is against policy to tell customers why an account has been canceled. This company is atrocious, steals money, does not abide by the law in issuing required tax forms, and has absolutely no empathy for the pain, suffering, and XXXX caused by withholding money and documents from customers. They give you the run-around, make you feel like a criminal, and will only escalate if you give them the name of the person to escalate too - because they know that customers do not know the names of their workforce. I have spent 10 's of hours on the phone, replying to emails, rounding up countless documents, just to continue to get form response letters and no action. I do not know how to get my tax documents and need help.
Product: Credit reporting or other personal consumer reports

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report according to the FCRA, that is illegal.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/XXXX and another some accounts on my credit report and complete and accurate which is a violation of 15 USC 1680e ( b ).

This also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). At This point I believe they are doing this on purpose according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepared consumer report shall follow reasonable procedure to assure maximum possible accuracy of information concern in the individual about whom the report relates. They must be XXXX, because everything is inconsistent.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$660.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$62.00} XXXX  - XXXX - XX/XX/XXXX - {$940.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX  XXXX XXXX {$120.00} Credit limit {$300.00} Open Date XX/XX/year> I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it
Product: Debt collection

HP Sears has not followed the correct procedures for validating a debt. I believe but can not verify that they are attempting to collect for an alleged dentist bill that was supposed to be paid by my insurance. The dentist office may have improperly billed my insurance. The dentist office told me they were working on correcting the account and then ironically HP Sears shows up on my credit. I contacted them and they would not validate that it is the dentist bill. I have requested a detailed accounting of the bill but they will not give it to me. Since they refuse to validate the debt they can not report it until I can see what it is for. IF IT IS for the dentist my insurance was supposed to be billed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section states no consumer reporting agency may make any report containing any of the following items of information, any other adverse item of information, other than records of convictions or 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.
Product: Debt collection

I have never contracted services with NATIONAL CREDIT SYSTEMS. I have never received any written communication to be able to review this alleged account prior to it showing up on my credit file. Upon reviewing my credit file, this alleged account is also beyond the STATUTE OF LIMITATIONS. NATIONAL CREDIT SYSTEMS is clearly in violation of the FCRA for failing to even notify me of this account, it simply appeared on my credit report. I will prepare a media kit to expose the fraud that has been committed against me to all local and national news stations alike if necessary.
Product: Credit reporting or other personal consumer reports

I am a victim of severe forms of trafficking in persons. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this human trafficking information was supposed to be confidential?
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I was scammed out of {$950.00} by a company I thought I was purchasing a puppy from. I sent a XXXX payment through Bank of America for {$950.00} to XXXX XXXX XXXX and never received my puppy tried reaching out to the people they stopped answering my calls. I then called Bank of America whom I bank with and was told that the fraud department would look into it. then was told it was nothing they could do because it was a XXXX transfer. I was totally unaware of the no refunds of XXXX transfer as it was not stated anywhere in the XXXX guidelines.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXXXXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX services Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$960.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$670.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$29.00}. Inquiries : XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I am writing a second request to have my reporting status updated with the Credit Bureaus. I was a customer American Express and held a XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed dated XX/XX/XXXX. Upon referencing my updated credit report It is currently states. " Your account has overdue payments. Pay the minimum amount to avoid a charge off going to collections ''. When applying for credit, it seems as if this delinquency is current in which this is a Paid Charge-Off ''. As previously mentioned, I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed. On a previous occasion, I had requested to have my status changed and was not as successful however, on this occasion I would like yo have my payment history to be neutralized as it affects my ability to grow with your company as well as other lenders or update my history to reflect that this is not currently a past due account across all three bureaus. Thank you for your cooperation in this matter.