23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XX/XX/year> RE : MERCURY CARD RE : Notice of Claim and UCC-1 Financing Statement Dear First Bank and Trust According to 18 U.S. Code 8 - Obligation or other security of the United States the debt is paid and I am owed a security interest and dividend. 

I, XXXX XXXX, am writing to inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a UCC-1 Financing Statement with the Florida Secretary of State, filing number XXXX ( rr ). 
As the Secured Party, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( XXXX ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed UCC-1 Financing Statement for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the Secured Party. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( s ) All Rights Reserved, Without Prejudice
Product: Credit card or prepaid card

Re : Target RedCard Every time I call the person on the phone refuses to give me a call back number, their name, an employee ID, or anything that they as an employee can be identified by. 
I have attempted to cancel my target card on multiple occasions. I will be placed on hold for 10+ minutes for someone to eventually end the call without actually canceling my card. The last time I attempted to cancel this card I discussed my frustration and was assured the card was cancelled. I requested an e-mail stating this and they reported that they could not do this but I would be mailed the termination letter. Well, I received a letter from target today stating my card was being upgraded to a XXXX. All I want is to cancel my card.
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  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

United Wholesale Mortgage failed to notify me that my mortgage was sold to another company. In my opinion, this violates my rights as a consumer that has an excellent credit rating, because now I am unable to make any mortgage payments. I have no idea on who my new mortgage company is and am unable to continue making my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its has been since XXXX of 2022 to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/2022 to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts 1. XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Please verify Within 5 business days in compliance with FCRA XXXX XXXX AND EQUIFAX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding fraudulent accounts wrongfully placed on my credit report, which directly stem from my personal information being compromised in the widely publicized 2017 data breach. These accounts were fraudulently opened in my name without my knowledge or consent, and the resulting damage to my credit and financial standing is wholly unacceptable. This is a serious identity theft matter, and I am formally asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are required by federal law to act swiftly and decisively to resolve this issue. 
The fraudulent accounts include : XXXX XXXX XXXX bal {$660.00} XXXX XXXX  XXXX XXXX  XXXX. {$430.00} XXXX XXXX XXXX bal. {$660.00} XXXX XXXX XXXX XXXX  bal. {$970.00} XXXX These accounts have resulted in unauthorized hard inquiries, adverse collection actions, and irreparable harm to my financial reputation. The burden of these fraudulent activities is not mine to bear, and the delay in addressing them is inexcusable. Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Additionally, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. These laws are not optional, and I will not tolerate any further delay or negligence on your part. You should be fully aware that this situation arises from your failure to protect consumer data during the 2017 breach. This is not just an issue of fraudit is a consequence of your gross negligence, and you bear full responsibility for resolving it. Failure to comply will have severe consequences This is a final demand for immediate and complete resolution. I expect written confirmation within the required timeframe that : The fraudulent accounts have been removed and blocked from my credit report. All collection activities related to these accounts have ceased. Do not underestimate the seriousness of this issue. You are being given a lawful opportunity to correct this matter ; should you fail to act, you will leave me no choice but to escalate this aggressively and relentlessly through every legal and regulatory channel available. This is your final warning. Act now to resolve this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

five point XXXX  XXXX XXXX are the amounts XXXX XXXX XXXX showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Management and The XXXX XXXX XXXX. Also to the President of Financial Services asking for removal of the late payments from my credit reports ; I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to my 3 credit bureau reports. Also The late payments are showing discrepancies on all 3 credit bureaus. By law,15 U.S.C. 1681 when there is inaccurate information on your credit report, the credit reporting agency is required to remove it. If the credit reporting agency fails to remove the incorrect information, then you can sue them for damages.
Product: Mortgage

Hi my name is XXXX XXXX we have applied for a mortgage with Quicken Loans and ended up switching lenders Midway through XX/XX/XXXX Quicken Loans received a statement saying that we were transferring or FHA loan to XXXX XXXX XXXX and I have attached a copy of that statement. Which time Quicken Loans should have quit processing or loan but they did not they continued to process the loan without our knowledge or a written document after the XX/XX/XXXX for a intent to proceed. On XX/XX/XXXX are Quicken Loans contact XXXX  XXXX send us a text message which I have attached stating that he had received a message saying that our loan was being transferred and he needed to know what was going on. Within one minute I replied back to him in the form of a text message once again that are loan was being transferred to XXXX XXXX XXXX he then proceeded to text me that he wanted to give us {$1000.00} in closing cost and {$500.00} after closing. Later that day we have come to find out that there was an appraiser at the property that was Quicken Loans appraiser. We had tried to contact him to ask him why he was there and this was all after the fact that he had already performed the appraisal during his appraisal nor the owners of the property or our realtor was present were unsure how he had access to the house and he is not willing to tell us. I have contacted the executive team and spoke with XXXX XXXX for her to look into this we are wondering why or loan was processed without our knowledge after we submitted several times that it was being transferred the response I got was there was nothing she could do about it and they needed to give the appraiser at least 24 to 48 hours to cancel the appraisal however there's no way we could have done that since we have no knowledge of the appraisal even being performed it was never conveyed to us that appraiser from Quicken Loans was going out there or would have made sense for us to call I even spoke to a gentleman by the name of XXXX around XXXX that same day of the appraisal asking about the XXXX dollars for closing and a {$500.00} after closing XXXX for me before an appraiser would even go out to the property that Quicken Loans would give us a call I have pulled all of my XXXX bills as well as my realtors and no phone call was ever made to us or convey to us that there was a realtor on his way out there I also ask Quicken Loans for their third party vendor phone number who the order appraisals through and was told that they would try to disclose the information but I have not heard a response back
Product: Vehicle loan or lease

Ford has been reporting me 30 days late when I am not 30 days late. They are in violation of the FCRA and they will not fix the issue. Nobody there will help nor do they know what they are doing. I make my payments every single month so how can I have random 30 day late payments!!? If they claim I am in fact 30 days late then they need to prove to me that I am. I have contacted an attorney who handles this type of law and the next correspondence will be from him. Its like these creditors can do whatever they want and say whatever they want and nobody makes them responsible. Why is n't the CFPB investigating them? I see many of these same complaints! They are affecting my financing and affecting my credit picture with this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax, XXXX  and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with Equifax XXXX  and XXXX asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX  is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} Equifax also reports {$9000.00} and XXXX  reports {$9000.00}. The date of item removal on XXXX  is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act XXXX FCRA ) and hurt consumers as they wish.
Product: Credit card or prepaid card

XX/XX/2019 a purchase at XXXX XXXX XXXX # XXXX in XXXX XXXX, Tx for {$67.00}. On XX/XX/2019 a purchase at XXXX XXXX  # XXXX in XXXX XXXX, Tx for {$2.00}. Fraud report filed # XXXX. XXXX XXXX 's in XXXX XXXX, Tx. Informed that there is no XXXX XXXX in XXXX XXXX with the store number of # XXXX, # XXXX. Called the card company several times, but never transferred to the Fraud Division. XXXX XXXX XXXX    XXXX XXXX number is XXXX (? ). Wrote a letter to the company, no response. Card replaced!
Product: Consumer Loan

I am a GMFinancial customer since XXXX 2015.I was recently XXXX '' from the XXXX after XXXX. I moved from XXXX to XXXX. The vehicle that i Have leased with GM Financial is for my wife so that she could get back and forth to work as we both are not full time employees after I took a job working for the XXXX. My pay decreased annually by {$XXXX} a year. During the month that my payment was late with GM Financial I had made a call requesting an extension and set up a scheduled payment that cleared. During that call, I was lied to and told that I would not be reported late and that once my payment cleared I would be set. GM Financial inaccurately reported me late for a month that I was told I would be current. I have since been on time with payments just as I was before. As part of my promotion in my job, I am required to keep my credit report immaculate. My job requires an XXXX. I will be getting reviewed again in the next couple of month and I am fearful of 30 day late report showing up on my review. This will hurt my chances of promoting and becoming more financially stable.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XX/XX/2023
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 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 tracking the transaction was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeating offenders to exploit the system. The lack of accountability is unacceptable and raises serious concerns and consumers safety. 
In XXXX XXXX XXXX the amount of {$600.00} was stolen from me and Zelle failed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from this company phone number called from was a robo/ XXXX ( XXXX XXXX XXXX not belonging to them. A XXXX asked for me and asked was XXXX XX/XX/77 she attempted to say shes a debt collector - I asked what company are you referring to she claimed Barclays Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. Hoping it was just a temporary glitch, I refreshed my browser, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted to ensure I never have to deal with this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  XXXX reported a 30 day late which was inaccurate. 

I found out about this the first week of XX/XX/XXXX and contacted XXXX XXXX XXXX to point out this error. 

I was advised to send in proof of payment to show it was paid on time and proceeded to do so. 

After sending in the proof of payment XXXX XXXX XXXX  agreed to update the credit bureaus. 

As of writing this complaint XXXX and XXXX have updated my credit report and have removed the late. 

The reason I'm filing this complaint is because Transunion has failed to update my credit report and is still reporting the 30 day late. 

I've tried contacting Transunion directly with no success and XXXX XXXX XXXX  has told me that they have already updated the correct information and that I need to deal with Transunion direct. 

Transunion needs to remove this 30 day late. Please help. Again XXXX and XXXX have updated everything correctly. Transunion is the only one I have a dispute with.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. 
I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Equifax has yet to provide that proof of verification. I received a copy of credit report that stated that XXXX XXXX is the furnisher of this erroneous bankruptcy record. After receiving that, I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/2021. Letters sent to Equifax via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has also surpassed the 30 days since I submitted the 3rd request for proof of verification on XX/XX/XXXX. This account is unverified and needs to be removed from my credit file.
Product: Money transfer, virtual currency, or money service

I have a account in Coinbase. 
Since 2 months ago the reason under account review I can not move my cryptocurrency. Tons of time I complained to coinbase but they saying nothing to me.
Product: Credit reporting

Transunion is reporting XXXX on my credit report enclosed this is not mine please remove it asap.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.