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

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Account Number Num : Balance {$220.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Further, it is time for legal regulation change. The credit reporting organizations collect far too much detailed data which is not necessary for their function. We need to demonstrate we can meet and exceed the XXXX and as it pertains to credit bureaus. With this level breach all social security number should be wiped and move to a different unique identifier if one truly has to have a unique identifier to calculate a score for a segmented range of values, but I digress.
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. 

Account name : XXXX XXXX, Account # XXXX. Account name XXXX XXXX XXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX, Account # XXXX. Account name : DEPTEDXXXX Account # XXXX. Account name : DEPTEDXXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX  # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account XXXX : XXXX. Account name : XXXX, Account XXXX : 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 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: Credit reporting or other personal consumer reports

In XX/XX/2023, due to an unexpected hospitalization, I was briefly late on my Discover card payment by no more than 30 days. As soon as I was able, I promptly addressed and rectified the situation. Despite my proactive approach, and after discussing the matter with Discover, I was initially informed by multiple representatives that they would update the payment status and report the corrected information to credit bureaus. However, I later learned that they would not take such corrective action. I have consistently maintained an on-time payment history prior to this singular incident. I kindly request that this unique situation and the conflicting information I received from Discover be considered when reviewing my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporter Act, XXXX XXXX XXXX # 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 your account without my written instruction
Product: Mortgage

From XXXX - XXXX the company has paid the Homeowners premium directly to the XXXX via XXXX. It did not pay the XXXX premium in XXXX and XXXX even though the company billed me for tax and insurance via XXXX. My spouse made payments to the XXXX to avoid cancellation. The company has not reimbursed for those XXXX years. 

The call in XX/XX/XXXX referenced by the company was to provide information about a new carrier only.
Product: Payday loan, title loan, or personal loan

Last month was contacted regarding a loan approval and wanted online banking information ; I declined and hung up. Today XX/XX/XXXX XXXX XXXX called from Lending Point XXXX to tell me my loan application was moved to their unsecured department and was approved and needed to verify my bank information to send deposit. I had applied for many loans and he sounded legit, I even looked up the company online as we were talking. I agreed to give him the info as he confirmed he was just taking a screen shot and I could change my passwords afterwards. I was then transferred to XXXX at direct line XXXX ext XXXX to go over terms. Was told a good faith deposit would be deposited and I would then send back to them and the entire loan amount would be credited within 45 minutes. I got off phone and felt odd about it so I called the number from the website. They are in GA and couldn't find an account for me. Then I get a call back questioning why I changed my password before funds were deposited and he wanted to send the verification by cashapp. That deposit failed ( from $ XXXX ). Yes, I felt it was wrong but I'm in a financial bind now I feel I should cancel both my checking accounts, one I gave them online banking info for and the one linked to my cXXXXp as well as get a new XXXX. XXXX 's ext was XXXX.
Product: Mortgage

I received a notice from Mr. Cooper stating that they would buy insurance on my behalf. 

I asked my insurance company to send proof of insurance, see below APPENDIX 1.

Mr. Cooper received, the email with attached dec page, but refuses to acknowledge the
insurance, see below APPENDIX 2. 

APPENDIX 1 Hello " Mr. Cooper '' ATTN : Loan XXXX, Please see the attached Declaration Page for XXXX XXXX 's currently inforce policy. In addition, we have attached the payment received on this policy to confirm that it is currently paid in full for the term of XX/XX/XXXX to XX/XX/XXXX. 

As XXXX XXXX states below, and we confirm he is correct, because payment was made during the grace period the coverage never lapsed. 

If you have further questions or additional information requests, please let us know by contacting us via : Phone : XXXX Fax : XXXX Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX APPENDIX XXXX From : XXXX To : " XXXX '' Sent XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  XXXX Subject : XXXX XXXX Has Not Been Processed Thank you. This email is to inform you that we have reviewed the recently submitted document ( s ) and are unable to proceed with updating the policy information. 

Mr Cooper bought my mortgage from XXXX XXXX. I have had numerous issues with servicing. It took multiple attempts to set up direct pay through checking. I applied for bimonthly pay four times and made double payments to get ahead as instructed and they found spurious reasons to reject the application each time. I have threatened to complain and they don't care. This latest egregious example is an attempt to purchase insurance on my behalf for exhorbitant prices, even though as documented and submitted to them, my policy never lapsed. This company is egregious in its lack of service and attempts to use any means necessary to gouge their clients, who, I assume, did not want to be their clients in the first place.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 customer safety.
Product: Credit card or prepaid card

None of your choices applied to this. 
When I make a purchase with my visa or mastercard my money is taken from my account immediately. When I make a return it takes up to 2 weeks for a refund to process. Also, when I make a transfer from my bank account to pay a visa bill issued by my bank, it takes average 5 days to process. These long holds of consumer 's money, whee the visa and mastercard companies are benefit off the interest are not acceptable. I need my money. Sometimes I don't even have enough to buy another item because they are holding my money. If they can take money from my account instantly, they can return it instantly. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Claim ID case # XXXX with Experian representative. Disputed inaccurate credit report data reporting. I have disputed multiple times within the app and online with Experian website to correct data since XXXX. Experian website credit report pulled on XX/XX/1921 Report # XXXX showing multiple accounts with XXXX for the month of XXXX or CO with the month of XXXX. These accounts were settled in XXXX. I have mailed off proof of receipts and payments in XXXX. These accounts were closed by the original creditors years prior. XXXX, XXXX, XXXX and XXXX. When calling into Experian they claim those do not show XXXX or XXXX but rather accounts are closed and settled. The credit report pulled same day as phone conversation with employee do not match credit report.
Product: Credit card or prepaid card

XX/XX/21 - Bill pay used to pay Best Buy Credit Card. Payment = {$2000.00}. Overpaid by {$1600.00} causing credit balance. 
XX/XX/21 - Called and requested a refund of credit balance. I was advised it would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " name on the payment for {$2000.00} does not match the primary or authorized user on the account ... .we need you to provide us with the name that appears on this payment. '' XX/XX/21 - Called customer service and verified the name of my wife, whom I hold the joint checking account used for the bill payment. Customer service advised refund would be processed within 7-10 days. 
XX/XX/21 - Received letter dated XX/XX/21. Letter stated " we need to speak with you at your earliest convenience. Additional information is required. '' XX/XX/21 - Called customer service and verified my wifes name again, checking account number and routing number used for bill payment. I was advised refund of credit balance would be processed within 7-10 days. 
XX/XX/21 - Called customer service to check status. After escalating call to an " Account Manager '', I was advised the refund could not be processed because I was not named on the bill payment. Possibly need a copy of my banks ACH transmittal ( front and back ). When I questioned the possibility of my bank providing this, I was told perhaps a voided check showing both of our names on the payment account would work, and to shorten the timeline, I could file a transaction dispute online to submit documents of proof electronically through their website. 
XX/XX/21 - Filed transaction dispute online and attached voided check, which included account and routing numbers for bill pay, as well as my and my wifes names on check. Also, I attached screenshots ( from online banking used to pay the bill ) that showed the bill pay details, amount, date, and standard electronic transfer confirmation number. 
XX/XX/21 - Checked online for status of transaction dispute. Complaint was " closed '' and asked for " proof of payment such as a copy of other credit card statement or check/money order [ both sides ] used for payment. Include your name and Account Number on the documents. '' My Best Buy Credit Card - From Citi continues to ask for name and account information from the bill payment. I have provided it at every request only to be denied a refund for the same reasons. I am not sure what else to do from here and need some help. 

Thank you, XXXX
Product: Debt collection

On XXXX XXXX I mailed a certify letter to verify the debt and this is not a refusal to pay but a notice to the Fair Debt Collection practices Act 15 USC 1692 Sec 809 ( b ) that your claim is disputed validations is required. 
Mail me the documents I requested in 30 days and they refuse or ignored my request Jefferson Capital Systems Account # XXXX XXXX ) send me a copy of my original contract I signed with my wet signature on it. 
2 ) send me copies of papers I signed to pay this debt you say I owe Also other verification documents pursuant 15 USC 1692 Sec 808 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XX/XX/XXXX about unauthorized inquiries they responded 2 days later as verified. There is no way I never had any deals with any company listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in identity theft. This incident has led to unauthorized accounts and credit inquiries being reported under my name without my authorization. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account and inquiries from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

You are currently reporting debt to my credit report {$200.00} and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware of a debt with XXXX XXXX XXXX XXXX  but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

With Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. I information has been compromised from someone. 


1 ) XXXX XXXX XXXX Opened- XX/XX/XXXX ( 4 yrs, 6 mos ) - amount {$1400.00} 2 ) XXXX XXXX opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount- {$660.00}
Product: Debt collection

My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), Midland Credit Management XXXX XXXX Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.