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

I recently reviewed my consumer reports and noticed there was a closed account by the name of XXXX  the account has inaccuracies reported account is currently paid off and closed and has been affecting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to the bureau ( Experian ) on XX/XX/2022. The bureau received the complaints but have not taken off the Unverified information from my report. I have also written a non-response letter to the bureau, dated XX/XX/2022. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I submitted a request to remove false and identity theft items on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with no help or responses I made a complaint and sent in required documents to remove inaccurate and derogatory items that were apart of my identity theft claim I lost my purse with my social security card ID in XXXX XXXX and it has been a nightmare since. I was also contacted and informed I was apart of a security breach with taxact as well. Hi the company has not responded nor contacted me about my request and complaint that was made directly to them explaining Im a victim of identity theft and that the items they are reported are false inaccurate and apart of my identity theft. This is false practice from the credit bureaus and dishonesty because nothing has been done to help or respond to my request. My first request was on XX/XX/XXXX which is above and beyond more than 60 days Nothing has been done fixed or addressed correctly. It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to the bureaus all by certified mail requesting that they remove inaccurate information from my file and they have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. XXXX XXXX and Experian have violated many laws. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt them to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and they can travel to defend. 
I take my credit very serious and their lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum with a complaint to the attorney general and federal court. 
Under the XXXX XXXX XXXX Reform and Consumer Protection Act, the CFPB is authorized to take action against institutions engaged in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws. Under the consent order, the bureau 's may pay a {$3.00} XXXX penalty if civil penalty under enforcement action. The CFPBs investigation into these matters has been ongoing my case was closed and they DID NOT respond of r take action within 60 days of XX/XX/XXXX or XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach and request the immediate deletion and blocking of the following accounts and inquiries from my credit report. 
These accounts and inquiries are a result of fraudulent activity, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit file.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Mortgage

We closed a loan ( mortgage ) with CitiMortgage in XXXX XXXX. A deed in lieu agreement was signed and recorded with the register of deeds in the county the property is located. A Satisfaction of Security Instrument document was signed by CitiMortgage, with wording that includes : this satisfaction terminates the effectiveness of the security instrument. Both of these documents are attached. CitiMortgage as of XXXX is saying this security instrument is open and we owe them an approximate sum of {$40000.00} as fees related to this loan. We have just become aware that CitiMortgage is now selling this closed loan to XXXX.
Product: Debt collection

on XX/XX/2020 I send a validation of debt to Portfolio recovery as stated on the FTC web page. On XXXX XXXX2020 Portfolio Recovery sent me a letter still trying to collect without validating the debt. I am confused because I also read on my state website that under the XXXX FDCPA of the State of California Civil Code 1788 et, it is a violation to collect a debt or to continue to report to the credit reporting agencies if the validation has not been provided. Also it is against the Fair Credit Reporting Act guidelines.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated severely, my consumer report is extremely inaccurate and a clear misrepresentation of who I am and my credit worthiness. Besides being involved in XXXX data breach I do not see how credit bureaus made the mistake of allowing this many inaccuracies or fraudulent accounts take place. I am requesting an immediate removal of accounts filed in ftc report along with my 605B and proof of who I am. Experian, XXXX, and XXXX will not allow me to access an account for a free version of my credit report so I was forced to purchase from credit hero and I have included each unverified and inaccurate piece of information allowed to be place on my consumer report. I am completely disheartened and mentally struggling due to the unfair practices being allowed on me as a consumer. 

- I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists -Violation of 15 USC 16811 ( a ) ( 6 ) B ) ( il )
Product: Credit reporting or other personal consumer reports

Ive had this car loan for over 8 years now. Ive tried over and over to dispute this with XXXX XXXX because this account is paid off but has a lot of delinquencies so I want it off my credit. I think I at least deserve that. This account is affecting my credit negatively and its been the 7 years Law that it has to stay on my credit.
Product: Credit reporting or other personal consumer reports

Possible agreed to remove the late payments from a complaint I submitted through the consumer, financial protection bureau and they never did. I disputed the information after the alotted time passed and possible did not remove the late payments.
Product: Debt collection

Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX  and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code, they are illegally attempting to collect this debt and are in violation of Chapter XXXX. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Debit Amount- {$170.00} Opened on- XX/XX/2015
Product: Vehicle loan or lease

XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. 

XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. 

XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. 

XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. 

All calls are recorded.
Product: Checking or savings account

Chase fraudulently withdrew funds from my XXXX  checking account during an ATM transaction knowing that the machine would not dispense the cash to me, and now I am having to fight both banks to get my money back. 

XX/XX/2020 at XXXX XXXX  A Chase ATM withdrew {$400.00} ( plus {$3.00} fee ) cash from my checking account at XXXX. 

{$400.00} for cash, which was not dispensed. 
{$3.00} was for the service of dispensing that cash. A service that was not performed. 

The receipt from the ATM says " We aren't able to give cash right now. Please call us at XXXX XXXX XXXX. '' It shows {$400.00} taken from my account. Proving the machine knew what had happened and took the money from my account anyway. This is not a technical error, glitch, or bug. The machine was programmed to perform these operations in this order for the benefit of the bank and not the consumer. 

XXXX XXXX  I called the number and the Chase representative said they couldn't verify the transaction and I needed to call XXXX. 

XXXX XXXX  I doubted that the money was actually taken from my account, so I tried a different ATM. The transaction was denied because " You've reached your transaction limit. '' This is when I checked my bank account and confirmed that the funds had been taken. 

XXXX I called XXXX and they said I should call Chase. When I said I had already done that, they offered to cancel my card and said I should call member services on Monday during working hours. I asked them to remove the transaction limit and they did not. They took my number to have a supervisor call me. No one called. 

I called Chase again. Chase said this was a known issue and that filing a fraud dispute was the process they expected ATM customers to follow. They did not apologize or do anything to return the stolen funds. 

Monday XX/XX/2020 XXXX XXXX  I visited my XXXX branch. XXXX told me I should call Chase. I told them I had. After explaining the situation and showing the receipts, they said they would put 'provisional ' funds back in my account within 3 days in the amount of {$400.00}. They would file a dispute with Chase and give Chase 45 to 90 days to conduct an investigation. 

No ATM should be programmed to draw funds without dispensing cash. The process to recover funds is deliberately difficult, wholly unnecessary, and only benefits the institution that wrongly took the money. 

This is not an isolated incident. The first person I talked to about it ( a neighbor ) said the same thing had happened to them with the same bank and ATM.
Product: Mortgage

Mortgage company failed to provide me with sufficient notice prior to foreclosure. Only notice received was notice of foreclosure which was less than 37 days prior to foreclosure. I did not have time to submit loan modification documents in time nor dispute said debt. Once I was notified of foreclosure date I immediately sent in a complete loan modification package and was told it had to be submitted 37 days prior to foreclosure. Under the fair credit practice act Rushmore should had notified me at least a month prior to foreclosure action to dispute said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several collection accounts reporting on my credit report that I have tried religiously to get removed. I hired a lawyer with XXXX law top help me get these items removed from all major credit bureaus. I have requested that they present me with a contract with my signature on it seeking credit to which they have not been able to provide. they continue to update the account indicating it has been verified without providing to me the written verifiable contract seeking credit which are the guidelines and regulations set forth by the fair credit reporting act. 

the collection accounts in question are as follows and note I have never truly been able to utilize my credit in my life because of these negative accounts popping up on my credit file. I beg for a chance at XXXX day the ability to have a fair shake at credit like everyone else. 

accounts in question are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/year>, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
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 federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXX XXXX  Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXX XXXX  Date opened : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.
Product: Money transfer, virtual currency, or money service

I am writing express my concerns about Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failure to investigate my adequacy 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 consumers safety
Product: Debt collection

I asked Lobel Financial to cease and desist contact with me about the debt that was paid by my finance charge on my car. Yet Lobel Financial is violating the cease and desist i sent them on XX/XX/23.
Product: Checking or savings account

I received my unemployment direct deposited into my account and the day my backdated unemployment deposited into my account the closed my account. Saying they wanted me to verify that it was my money and not an accident and I did and they still are holding my money XXXX. This single action made me homeless living on the street with no way to live all because I was not able to pay my rent due to covid and waiting for my unemploynr t to be approved after fighting them to just lose it all.
Product: Checking or savings account

On XX/XX/XXXX I had an issue using my Wells Fargo XXXX account with a company called XXXX XXXX XXXX I rented a car for {$580.00} for 5 days I extended the dates for 1 day, I also gave them a deposit for the vehicle for an amount of {$500.00} through VIA XXXX, once the vehicle is returned they would send my deposit back, I have not received anything from my XXXX account. The willingly said they have sent the funds the same day I returned the vehicle to the companys location but till this day of XX/XX/XXXX I havent received my deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX & XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX