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 15 U.S. Code 6802. XXXX : # Account : XXXX, has violated my rights. 15 U.S. Code 6802. states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In previous communication with XXXX I was instructed that " Enclosed is a copy EDs privacy notice which states that, for everyday business purposes- such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus, we do share your information and YOU MAY NOT OPT-OUT OF THS SHARING. '' This is clearly a violation of 15 U.S. Code 6802. B, I was not given the option to direct my information not disclosed furthermore I was not given an clear explanation how to exercise my nondisclosure option. I have attached their response and highlighted the violation This negative reporting has caused tremendous hardhship on myself and business. The negative reporting has caused me to be discriminated against due to credit worthiness and had adverse effects quality of Life. I am demanding this account be removed from consumer report immediately. In the event this matter is not resolved I will be forced to escalate this process and file a complaint against XXXX and their Trustee with the FTC.
Product: Mortgage

After losing my job due to Covid-19 in XXXX, I called my mortgage lender, Home Point Financial, to see what options I had to make my mortgage payments while unemployed. They offered me a 3 month forbearance which they were offering to anyone impacted by Covid-19.  This was to postpone payments for XXXX, XXXX and XXXX. I called in XXXX to resume payments, as I had been directed to do, and was told that I would have to extend it one more month and to call back after XX/XX/XXXX. So I called back after XX/XX/XXXX once again in order to resume payments. The man who took my call ended the forbearance and said that a loan officer would call in the following days to discuss which repayment option would be best for me. No one called. I called back on XX/XX/XXXX. A woman said that someone would call me to set up a payment plan. No one called. I called in the first week of XXXX. This time a woman said that my loan was in underwriting and that I would resume payments after signing paperwork. This was startling since I never heard about what my repayment plan was going to be of what my options were. This phone call went around and around with me explaining that I needed to talk to someone to discuss my plan and her telling me that I didnt. I asked to speak to a manager or someone who could explain the repayment options. She put me on hold for about 30 minutes. She came back on the call only to tell me that there was no one who could talk to me but shed have someone who could discuss the repayment plan call me. No one ever called. It is now the XXXX of XXXX. I have missed 4 payments3 were in forbearance but the last one was not. Any time Ive tried to pay theyve told me to wait for a call that never comes. When I go online, the instructions are to not make a payment until a plan is in place. Ive sent at least two emails asking for help and have gotten no response. I have since gotten automated emails telling me my forbearance is up and that I need to call to resume payment, which I have several times. I have also gotten a letter saying that reads as if my house will be foreclosed if I do not resume payments, which I have been trying to do since XXXX. I suspect that this company is using the Covid-19 crisis to take advantage of their customers and I do not want to be one of them. I am willing and able to pay my mortgage but this company will not allow me to make the payment. I dont know what to do. Please help.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX Account # XXXX several times with each bureau Each time this Account come back verified. How is this possible because each bureau is reporting different things XXXX is reporting this account as discharge in Bankruptcy but XXXX and Transunion are reporting it as a charge-off, also transunion and XXXX both are saying the status of the account is undetermined if it a charge off it should be a close account. None of the closed dates are matching for each bureau if they all receive their information from the same place why is everything reporting so different. I want them to do the proper investigation, If they fail to conduct the proper investigation I have no choice but to consider legal options I have attached a copy of my Id and a copy of my credit report as proof
Product: Credit reporting or other personal consumer reports

Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXXXXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of XXXX. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX, my money was taken out of my Direct Express account without my authorization, in the amount of {$1200.00}. I am disputing this transaction, I did not authorize any transaction on or after this date. I contacted the Social Secutity Office in XXXX XXXX, Louisiana by phone ( XXXX ) XXXX and by going to their office on XX/XX/XXXX about my funds being removed from my direct express account and they told me direct express still has my money and refused to look into the matter. I contacted direct express XXXX, and they told me social security debited the funds from my account due to unfinished enrollment according to a direct express employee in the direct express escalation and fraud department. I keep getting the run around what happened to my money but I never received my money. I have been calling direct express for weeks and they are just letting me file a dispute on XX/XX/XXXX and two weeks later the dispute was closed resulting in me not getting my money back that I was legally suppose to get back because I was told by direct express that within ten day of filing my dispute I would get provisional credit, but instead they closed my case without any recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

My wallet, driver 's license, social security card and my XXXX XXXX XXXX XXXX credit card was stolen from XXXX XXXX in XXXX XXXX, AZ. There is {$3400.00} of fraudulent charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX. The charges are all fraudulent and do n't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard inquiry from XXXX ( Bank ) on XXXX XXXX XXXX that I did not authorize.
Product: Debt collection

I ran my credit report and XXXX XXXX is damaging my credit reports and I would like this charge off account removed.
Product: Credit reporting or other personal consumer reports

My Rights have been violated. Experian refused to correct the issue after multiple attempts. INPROPER USE OF MY CREDIT REPORT. This Creditor has violated my rights per 15 U.S.C. 1681 section 602, 15 U.S.C 1681 section 604 and Under 15 U.S.C 1666B.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX states they delivered the XXXX XXXX XXXX I purchased. I get home and there's no package there, it was stolen. I submitted a dispute through my Discover credit card and also submitted a previous CFPB complaint. Discover initially approved my claim, then rejected it stating that since the item was confirmed as delivered ( EVEN WITHOUT A REQUIRED SIGNATURE ), and it was stolen from my porch before I got home.
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 my 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 user vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal 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
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 15 USC 1681. 
Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information if found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Today @ XXXX in the afternoon I have been sitting over the phone with XXXX for an hour. The first wait time was supposed to be 3 mins, I waited at least 15 and the other wait period said 15 I waited longer than that. Not only that I had to tell them I was a victim in order to get the proper assistance that I needed. THE automated system didnt help me. They people gave me a number that didnt help. My membership is paid for and I still cant get into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2019 my credit score was XXXX on Friday XX/XX/XXXX XXXX, Equifax, XXXX dropped my score from 34 to as much as 89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting XXXX they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States. ; I want the score returned to the mid 600s or a legitimate explanation why it is not!
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct late open accounts and remove late closed accounts from my credit report. Despite multiple disputes, these inaccuracies persist and continue to have a detrimental impact on my creditworthiness. I request your immediate attention to resolve these issues effectively. 

I have previously submitted documentation and information to support my claims during each dispute, yet these inaccuracies remain unresolved. I kindly request that you conduct an immediate and thorough investigation to rectify these issues, ensuring that my credit report accurately reflects my financial history. 

I expect that you will complete this process within the legally mandated timeframe and promptly inform me of the resolution. 

In compliance with the Fair Credit Reporting Act, I also request a written explanation of the steps taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and continues to affect my creditworthiness and financial stability. I implore you to address these issues urgently and effectively. I am asking for your immediate assistance to correct or remove the accounts : XXXX XXXX XXXX  XXXX Balance Owed : {$160.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Product: Payday loan, title loan, or personal loan

I dont know the exact dates amounts were paid and I would have to get the information from the company but the last amount I paid was maybe {$500.00} some or so.
Product: Bank account or service

I have a Certificate of Deposit with PNC Bank. On XXXX XXXX, I sent a notarized letter requesting this account be closed. I have received no communication from the bank, but after calling their helpdesk, I received confirmation that the account had been closed. 

It was claimed that a check was sent to me, though I did not receive it. On XXXX XXXX they claimed that they would resend the check. I did not receive that check either. On XXXX XXXX I called and complained again, and they said they would resend the check overnight. It 's XXXX XXXX and the check still has not arrived.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.XXXX  XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX 3 . XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX  {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure how to go about dealing with this matter. I am awaiting a copy of my CLUE report from LexisNexis, which is being sent by mail, ordered a week ago, and could take another 1-2 weeks. 

There seems to be vast discrepancy with my credit score from the 3 credit reporting bureaus and my CLUE score from LexisNexis. I received a letter from my current home insurance carrier XXXX XXXX XXXX  regarding a CLUE report they obtained on XX/XX/2023, showing a score of XXXX  in a range of 200-997. 

My XXXX XXXX credit score is XXXX range 300-850 My XXXX XXXX score is XXXX range 300-850 I do not have my XXXX at this time , but it is in the similar top tier range of excellent credit. I do not understand why my CLUE score from LexisNexis is so low. Even worse, the letter I got from XXXX XXXX listing the primary factors affecting my insurance score, are all credit/finance related, which completely negates and opposes that of my actual credit score from credit monitoring bureaus. 

XXXX  Length of time sales finance accounts have been established XXXX  Insufficient information on department store accounts XXXX  Insufficient information on personal finance accounts XXXX # of accounts that have been established None of that has anything to do with insurance, and I fail to see how I am scored lower on financial accounts than anything to do with insurance on an insurance score. This has caused me to overpay for insurance due to a lower score, who knows for how long, likely many years, over a decade. I have no idea as to the amount this has cost me, and it has likely costed others. This matter is much larger than me, and I am unsure how to proceed. It seems ground for a class action lawsuit or something. 

Who regulates LexisNexis, like the credit monitoring bureaus are regulated? Why is a CLUE report not available online, and takes 2+ weeks to receive in physical mail? I have no idea what the dispute or resolution process there might be. 

How is LexisNexis able to have a monopoly on insurance score, who is their competition? Who else is verifying this information to ensure it is accurate, and fairly represents the consumer? 

It makes no sense that my insurance score is lower than my credit score based on financial credit based accounts. Something is very very wrong.
Product: Credit card or prepaid card

On or around XX/XX/2020I applied so American express credit card for my small bussiness after applying for this card explain to credit card provider what are my chance of getting approved he said 100 percent chance after explains to him that I XXXX he said don't worry you will be approved so applied over the phone did. I was denied than mark matter worst it hard inquire on my report so American express just straight out took avantage of me.