23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX  XXXX Credit Card XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX  Credit Card with account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX  Credit Card XXXX account # : XXXX opened on XX/XX/XXXX and a balance of {$0.00} Inquiry from XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

My complaint goes back to complaint number XXXX that was to have been solved. The letter of resolution sent to CFPB from Fifth Third Bank states that once the loan is paid off, they will remove my name off the loan. If you ready my original complaint, you will see that there is no legal loan agreement therefore my name should not be on any loan associated to XXXX XXXX. The letter also states that they would cease reporting to the credit bureaus. This did not happen and now my credit is affected. I need help from CFPB resolving this matter.
Product: Mortgage

On XX/XX/2021, My husband ( XXXX XXXX ) purchased a home for XXXX located at XXXX XXXX XXXX, XXXX Florida. 

In XX/XX/2021, we received an email from XXXX XXXX ( the attorney who handled the closing ) stating we owed her XXXX. I asked XXXX XXXX for a full accounting of my escrow account. XXXX XXXX did not provide any proof the escrow account had any missing money and proceeded to sue me for the XXXX. 

I retained a lawyer in the suit and began research on my case. My attorney XXXX XXXX initially believed I should settle my case with XXXX XXXX. I provided XXXX XXXX with my research and explained we had RESPA, TILA, and TRID violations. XXXX XXXX then conducted his own research and concluded that several mistakes were made at closing that contributed to the errors. One of which was the Lender Veterans United did not follow the 3-day rule with my mandatory disclosures. My closing was on the same day as the disclosure. 

My attorney and I added Veterans United as a third party to the lawsuit. Veterans United failed to respond to our complaint and a clerk 's judgment was issued against them. 

The issue at hand is that veterans united did not follow the rules and issued a buyer 's disclosure with an incorrect purchase price. XXXX XXXX did not find the error at closing and did not balance the escrow account after the transaction, and in the following months. It took XXXX XXXX 6 months to notice the account was missing funds. However, at this point, it is just an allegation at this point because XXXX XXXX has not provided any financial records to substantiate her claims. 

My husband and I are both Veterans and we used our VA benefits to purchase this home with XXXX down, I paid XXXX as earnest money that should have been returned to me in full at closing. Due to the errors made by Veterans united and XXXX XXXX, we did not get refunded our XXXX at closing, and have attorneys fees associated with defending ourselves from their errors. 

We believe Veterans United must fix this problem. We believe XXXX XXXX and Veterans united are both time-barred from collecting the XXXX. 

My husband and I are concerned that Veterans United and XXXX XXXX will drag out the court proceedings in order to bully us into a settlement. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Veterans United is a big corporation. As such we request the CFPB to assist us. A homeowner should not be on the hook for errors caused and created by the mortgage lender six months after the purchase of a home. 

Respectfully, XXXX XXXX, XXXX
Product: Debt collection

I made a settlement arrangement with Midland on an old XXXX account. They agreed to accept a settlement of 40 % which I paid to them. They did not remove the balance on this account. 

This is false representation
Product: Prepaid card

On XX/XX/2024, i loaded {$500.00} on to my card. 

I paid three bills, then about a half of an hour later went to use my card, and it would not work. 

I called their number and was given the runaround. At first, they said that there was a fraudulent load, and they closed my account, After speaking to the first representative i was told that they would refund the balance by check, but now they say that they returned that balance to the store that I had the money loaded to the card. Now tonight they say that my utility company double charged the card, which is impossible, so now I have more than {$160.00} floating around somewhere, and I don't know how to get this resolved. This is for card ending in XXXX ACCT. ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXX XXXX The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX of XXXX  I retrieved the loan history from the loan department of XXXX XXXX XXXX  This history shows the loan paid in full and on time. The loan history shows payments from XX/XX/XXXX to XXXX XXXX. I will also include the account from XXXX which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from XXXX. The other credit reporting agencies such as experian, XXXX, and XXXX have the same account from XXXX XXXXXXXX XXXX. I have been told not to file any more disputes.
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 Number : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  : Account XXXX Account Name XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I hope this message grabs your attention. I've been trying to address the issue of fraudulent accounts repeatedly, but unfortunately, I haven't received any action from your end. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX if the fraudulent accounts are not promptly removed , I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I purchased a vehicle at XXXX XXXX XXXX and I purchased encouraged by the finances department a gap insurance and extended warranty for the vehicle. The loan was transferred to another bank the vehicle was refinanced and the services with the current bank GM were cancelled, the payoff amount was sent in XX/XX/2023 after this payoff amount was sent, I requested for the gap insurance and the extended guarantee remaining money to be sent to me as a reimbursement, because I no longer have services with GM XXXX. After months of fighting and dealing with the bank the dealership and many requests done over the phone via email and in person, I still don't have my money reimbursed. I understand that this process takes time but how come the bank retains the money that is owned to me when they pay off amount was sent so long ago and the services were automatically canceled. I called and they don't answer my phone calls nor return any messages back. This is extremely disrespectful that they take your money and they don't want to give it back to you once they don't own it no more. I need help with this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particularly in 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. 
The 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

On XX/XX/2021 I sent a letter to Experian in regards to my multiple attempts to dispute inaccuracies being furnished to my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every time I dispute anything all they have done is say that they have verified the account without proving and or providing anything to prove otherwise. I requested that they send me all documentation that they, Experian, have on file within 30 days to verify the accuracy of the disputed account. They never sent anything and stated again on my credit report that the account was verified.
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 Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following companies I disputed as having fraudulent charges on them and transunion did not notifying me of the results. 

XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XXXX XXXX XX/XX/2013 XXXX XXXX XXXX XX/XX/2013 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern, On XX/XX/XXXX    I sent a letter via certified mail to Experian a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply stating that the letter was not from me, so no action/changes ( tho harmful ) would be made on my behalf. 

I AGAIN sent letters on XX/XX/XXXX regarding the same and other issues that this company is continuely reporting on my credit. Only to be met with the same computer generated email/letter on XX/XX/XXXX. All of the above attempted communication with this company has been sent with photo ID and a utility bill proving this communication is from myself directly. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterrent of my rights to a TRUE investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been well over 30 days and I have not received my due process of the above issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unidentified accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going through my credit report with XXXX, XXXX AND EQUIFAX. I notice they are a few accounts that do not belong to me and I do not recognize any of these companies. Also, it appears that someone will trying to get credit in my name and put hard inquires on my credit report. 
According to FCRA, I have the rights to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Hard Inquiries : XXXX XXXX XXXX XXXX Please delete these fraudulent accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been brought to my attention that the CRAs are reporting and accurate information according to according to the 15 USC 16 08 it is their grave duty to report accurate information however they're reporting negative information on the consumer. The reports are causing me harm as a consumer not allow me to obtain personal household goods so in all it's all an adverse action I'm unable to sleep I'm stressed and worrying about something that already is governing by law that consumer report agencies should not have late payments on a consumer. According to 15 USC 1681 ( A ) it is the credit reporting agencies grave responsibility to report accurate information however they are reporting information that is violating the consumer. Please stop reporting late payments in consumer transaction. Under title 15 USC 1666 ( A ) ( 2 ) any such information pertain to all Credit reporting agency information that is making it hard for me to obtain goods and service unfavorable to the consumer. According to what I see on Metro 2 you all are reporting unaccurate information and this information is a violation to the consumer It's a detriment that you all stop reporting inaccurate information. Please provide me with the name of the people that you have received this information from and I mean a human being what is their name and when did you receive the information I need such information as soon as 5 days.
Product: Credit reporting, credit repair services, 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 fraud 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 immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, ecperian and XXXX have multiple account on my credit report that I have never opened or authorized. I have submitted complaints with the XXXX  and was advised to start here with cfpb
Product: Checking or savings account

On XX/XX/2022, Our Account at Chase Bank in XXXX Texas, on XXXX XXXX received a wire transfer from the XXXX XXXX  XXXX XXXX XXXX for XXXX, which cleared on that day. It then went into a pending transaction status which it is currently in now. We still have not received our funds, my business partner ( XXXX XXXX XXXX and I ). 
would like to Launch an investigation into Chase Bank, and receive the funds owed to us. 
CHASE BANK PENDING TRANSACTION : XXXX XXXX XXXX TRANSPORT BANK NAME : XXXX XXXX  XXXX XXXX XXXX ACCOUNT TYPE : ESCROW ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX TRANSACTION TYPE : INTERNATIONAL WIRE
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

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

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports