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

Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the Equifax data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely.

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Product: Money transfer, virtual currency, or money service

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with Experian.
Product: Debt collection

I had received notice of an attempt to collect the debt in the past, but I've been unemployed for 2 years and my spouse had been unemployed for most of the last year, so I held on to the information. I reached out to the debt collector on XX/XX/XXXX through their contact portal. I specifically told them that I was currently employed and would like to negotiate a settlement since I was currently solvent through email. I received an immediate verification that they had received my request and would respond back, via email as requested, to my request. I've not heard a word and my request was to only receive email communication. Since I'm willing to negotiate a settlement, I figured they would want to work with me quickly, but this seems to not be the case. I also require debt verification at this point according to Texas debt collection laws, which I've not received. The Texas laws can be found on the Texas Attorney Generals website.
Product: Mortgage

Selene Finance is not giving us credit for mortgage payments that we made by putting the payments in suspense accounts and not crediting our account. As of XX/XX/XXXX our statement showed that we are {$0.00} past due. Selene accepted this payment on XX/XX/XXXX. About two weeks later we get a " Notice of Default and Intent to Accelerate.

This company appears to be using unethical, possibly illegal practices and trying to push a intent to accelerate to take customer home. This type of behavior should be investigated.
Product: Student loan

On XX/XX/2022 College Ave disbursed a student loan to Georgia XXXX in the amount of {$17000.00}. I am not enrolled this semester, and so Georgia XXXX returned the loan on XX/XX/2022. College Ave is not recognizing the returned funds and is still charging me interest on this amount. 


* Georgia XXXX bursar says to contact XXXX XXXX XXXX. 
* XXXX XXXX XXXX says the funds were returned and to contact the Bursar with questions. 
* College Ave says they don't have records of the funds being returned. 

In addition, on XX/XX/2022, a payment was made by XXXX XXXX to College Ave in order to refinance my College Ave loans. College Ave is not recognizing this payment and is still charging me interest on these loans. College Ave says they have no record of the loans being returned or the payment being made and I have no way of proving who paid what. 

* XXXX XXXX says the payment was sent. 
* College Ave isn't recognizing any payment. 
* I'm being charged interest by both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting which i did not pursue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from the XXXX of XXXX XXXX in XX/XX/XXXX, in XX/XX/XXXX I started the XXXX XXXX XXXX XXXX XXXX. Throughout this time my student loans were in deferment per the policies ( deferment through the time of maintaining XXXX XXXX student status and for 6 months after ). In XX/XX/XXXX I was a XXXX XXXX XXXX ( XXXX credit hours ) at XXXX XXXX XXXX XXXX. My loans should have still been in deferment per the policy. I found out that my credit report was showing late payments through Great Lakes, although my loans through XXXX XXXX were in deferment. I contacted Great Lakes and they said they would verify with the school ( XXXX XXXX XXXX XXXX ) and place my loans back into deferment. This was never done as it should have been and my credit report is still showing from XX/XX/XXXX through XX/XX/XXXX my loans were not being paid and were past due. 

These loans were not past due, per the policy the loans should have been in deferment.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion. 2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXX XXXX Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n. To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.
Product: Student loan

On Monday XX/XX/2022 I was trying to refinance my home and it was made aware to me that someone has used my information to co-sign for a student loan through College Ave. the loan amount is close to {$8000.00}. I have never co-signed a document for anyone before and now this is holding up my process to refinance my home.
Product: Credit reporting or other personal consumer reports

IN XX/XX/year> I GOT AN EMAIL STATING THAT ON XX/XX/XXXX AND XXXX FROM TRANSUNION OF INQUIRES OUT OF NOWHERE THEY SAID THROUGH XXXX XXXX WHO HAS NO KNOWLEDGE OF THE INQUIRES WHEN THEY CHECKED YET ITS ON TRANSUNION I ASKED TRANSUNION TO DELETE THESE FRAUDULENT INQUIRES AND THEY SAID THEY WOULD BUT STILL NOTHING MONTHS LATER.I WANT THESES INQUIRES REMOVED IMEDIATELY FROM TRANSUNION REPORT
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XX/XX/2022 XXXX XXXX. 
Fraudulent inquiries and were not authorized on my credit consumer report with TransUnion
Product: Credit reporting or other personal consumer reports

I am writing to formally address serious concerns regarding the handling of my identity theft dispute with Equifax. On XX/XX/year>, I submitted a dispute to Equifax, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation. 

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft. 

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report. 
15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done. 
Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization. 

This lack of action on Equifaxs part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly. 

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft. 
A written explanation as to why my request was denied despite my submission of all required documentation. 
Compensation for the damages incurred as a result of Equifaxs negligent and willful noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Lobel Financial, the car was impounded by local PD and then repossessed by Lobel Financial, then Lobel Financial sold the car at auction to compensate the remaining balance on the loan. Now the issue has escalated to litigation for any remaining money owed and the case was closed a few years ago. Lobel Financial received payments from me for over a year, then received the car back, sold it for less than market value, added legal fees to my balance owed and continues to charge me interest on the loan, the account was reported closed before Lobel Financial repossessed the vehicle and remained closed for years, the status changed a few months ago as an open auto loan on my credit and they refuse to correct it. My balance is ~ {$2000.00} more than the initial loan amount even given the fact that I made payments for a year and they received the car back. How is that possible?!?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 XX/XX/XXXX, I became member at an local citizens bank official.. After a year I was asked to leave the online bank citizens bank. I was remoted as individual banking client to phone banking only due to bad behavior. I received information on withdrawals and/or transactions. In XXXX, I left citizens bank official, withdrawing both my savings and money account due to poor treatment. Information regarding investigation still has not been provided. In XXXX my federal and state income taxes are still being audited as problematic due to poor handling by this bank, Citizens Bank official in local XXXX New York.
Product: Credit reporting or other personal consumer reports

Several attempts were made contacting XXXX in order to fix a reporting error on two closed accounts that were charged off because they became considered taxable income under certificate of indebtedness, and, as income, those two accounts CAN NOT be reported on ANY consumer credit Bureau, including XXXX. Several attempts were made to fix these errors by deleting the two above-mentioned accounts but to no avail.
Product: Debt collection

I am requesting validation of debt against this so call LAW FIRM XXXX XXXX XXXX XXXX " Legal Recovery Law '' I am very well aware of my rights and wont hesitate making a complaint against LAW FIRM with the FTC if they dont specifically validate the debt with all requested bullet points in what I expect from them to do step by step. PLEASE FOLLOW ALL LEGAL PROCEDURES TO PROVIDE ALL INFORMATION REQUESTED
Product: Checking or savings account

On Saturday XX/XX/XXXX, my debit card was charged at a Chase ATM 4 times for an amount of {$200.00} each for a total of {$800.00} between XXXX and XXXX. The bank was able to reimburse this money back to my account. Shortly after the atm withdrawals, on the same day in the afternoon, the XXXX down the street fraudulently charged my debit card {$750.00} through XXXX XXXX. Chase hasnt reimbursed the XXXX charge. The XXXX is # XXXX XXXX XXXX in NJ. The phone number is XXXX. The manager was able to confirm the person who came in and made the transaction did not match my description and is caught on camera. I was told the footage is still available. I was at XXXX of XXXX in New York at the time. 

I stopped the debit card on Saturday, XX/XX/XXXX. Chase sent me a new debit card in the mail. On Monday, XX/XX/XXXX, I had not received the card yet. It was compromised and a charge of around {$3000.00} tried to go through. Since I didnt activate the card, it did not go through. Chase canceled that card and then issued me another one. On Wednesday XXXX, Chase claimed the account had been compromised and shut it down. They gave me a new account. 

I have called and had Chase relook into to the XXXX claim several times. After the 3rd time, Chase told me the case is officially closed. After they told me the case is officially closed, Chase suggested I call XXXX. It had been several weeks in at that point. The XXXX was helpful, but they would need Chase to contact their loss prevention office to reimburse me the money. 

I went to my physical Chase branch location since I had not received an explanation as to why my claim was denied. A letter was sent in the mail saying, Here are the notes we have in our system : Transaction conducted within customer geographical location. Lack of Digit wallet security care. 

Shortly after, I filed a report with the police.
Product: Debt collection

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to look up on Equifax 's sketchy website whether I was affected by their data breach. According to them, I most likely was. Why were we not notified earlier? And why are n't they automatically watching for fraud on my account? I have to opt-in, and the terms make me promise I wo n't sue them. 

I also had some fraud on a credit card a few weeks ago ; I wonder if this is related, given some of the breached data included credit card numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Product: Mortgage

I applied for a home refinance through Connecticut Home mortgage. Connecticut Home mortgage merged under the Home Services Lending on XX/XX/XXXX. All my paper work and appraisals were done on time. The lender, XXXX, delayed the underwriting for over 3 weeks and now will not honor the rate lock. I need someone to resolve this. The mortgage company one month later wo n't issue a commitment letter or denial but I received a call that the will not honor the rate. I received a call from the Branch manager today, XXXX at Home services lending who recommended that I file a complaint with the CFPB to get the Bank to honor the rate lock.
Product: Debt collection

Judgment for XXXX per court order was satisfied in XXXX of 2018. Ive been harassed ever since then by the collection company and the attorney. I have not received my satisfaction of judgment and this is still on my credit report preventing me from purchasing my new home. Ive had to block the collection agencys number from calling my cell. He was also calling my work phone harassing me.
Product: Money transfer, virtual currency, or money service

I am writing to fully express my concerns regarding zelles handling of disputes particularly in light of the recent CFPB lawsuit highlight significant issues with the platform .Despite using Zelle numerous time 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I did not authorize, consent to or benefit from this account. Block and remove it immediately.