23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title 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. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian has continued to violated my FCRA rights they continue to be in violation of numerous complaints I have submitted and question there integrity on a throughly investigation of these fraudulent accounts which I have summit documentation including police report of fraudulent account, and FTC report as well to them. Im demanding for these account under 15 U.S.C 1681 b ( a ) 2 to be remove from my credit report immediately!!! 

XXXX and Experian has violated Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request I demand XXXX to remove this fraudulent account XXXXXXXX XXXX  account number XXXX XXXX has violated 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXXXXXX XXXX has falsified an agreement statement in my credit report I have not sign any written agreement with this company this fraudulent account by this collector is in violation of 15 U.S.C 1692 d 15 U.S.C. 1692 a section C 15 U.S.C. 1692 a 15 U.S.C. 1681 C-2 15 U.S.C. 1681 g section 1 XXXX XXXX - most be removed from my report as well immediately due 15 U.S.C. 1681 C- XXXX XXXX XXXXXXXX is in violation and has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. This account is pay in full as agree and must be delete from credit report Immediately!!! And has been in violation of 15 U.S.C 1681b ( a ) 2 15 U.S.C. 1681 g section 1
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to both Equifax, XXXX and XXXX in which XXXX and Equifax are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error : XXXXXXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b 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.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, it is involving a different company. I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with MoneyLion is that they have breached their own contract and have provided false and misleading information. I have been in dispute with MoneyLion for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute Agreement, it states that all claims arising from or relating to this Agreement and the Loan must be resolved by binding arbitration. MoneyLion did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.
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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I ask for my bankruptcy to be deleted off my credit report because public records does not report bankruptcy to the credit bureau
Product: Debt collection

I have tried to contact this apartment complex to have them show my signature on any signed documents. I have never stayed in an apartment within the last 25 years. 
File Number : * XXXX Amount Owed : * {$240.00} Collection Date : *XX/XX/2019 Original Creditor : * XXXX XXXX Thanks XXXX XXXX
Product: Checking or savings account

I have an online savings account with Capital One that I requested be closed several months ago. This account has had a zero balance since XXXX XXXX, yet it is still open today. I tried contacting customer support via chat : There is no chat button on their website ( despite the fact that a chat option is advertised ). I tried contacting customer support via the messaging center : There is no way to actually send a message. I tried contacting customer support via TWO different phone numbers : I was told by a supervisor that he could not help me and I needed to call during the work week. I explained to him that my schedule does not allow me to call during the work week, at which point he became incredibly rude to me. I emailed Capital One 's support escalation team as well as their senior leadership ( those I found email addresses for online ). The escalation team replied back that I need to call them during their business hours - something I am, again, currently unable to do. I do not understand why this is such a hassle when I originally asked for the account to be closed months ago. It needs to be closed now.
Product: Checking or savings account

I filed a compliant with current about someone taking money from my account. They said that they did not see evidence of fraud. Most of the purchases were made in the state that I do not live in.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX iis purposely trying to cause harm to my credit scores XXXX XXXX is reporting XXXX credit bureaus Experian XXXX XXXX and. Sold my name to. Others Collectors agencies names, XXXX XXXX, XXXX XXXX XXXX also others WhomAlso requested same. Exact money. That XXXX XXXX  is requesting .and not owed. Which had turned into Fraudulent activity by different companies requesting money not XXXXXXXX XXXX XXXX XXXX other. corporations. My attorneys from XXXX XXXX XXXX disputes with credit bureaus companies and requested. Others information. Such as dates payments. And names on the Account. XXXX XXXX XXXX Haven't provided these on going verification iin 6 months ex. attached. Documents Below And lettter resently sent from XXXX XXXX asking for money with bill included different Names such as XXXX XXXX XXXX which is not my name On the Bill below
Product: Debt collection

{$150.00} is still being shown on my credit report closed account and the original creditor, progressive insurance has been paid and satisfied as of XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting major issues with the platform. As a frequent user of Zelle, I have experienced discrepancies that were not adequately investigated by Zelle. The CFPBs findings reveal that Zelle has failed to protect consumers, enabling repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Debt collection

Hard to include dates. Portfolio Recovery Calls at least 3 times a week. Today, a sunday!, called before XXXX XXXX. This time I answered. No one there. Clearly a robo call to harass. Never leave a message. One year ago asked them not to call, I was not person they wanted and that I was on do not call list. I hung up, the person immediately called back and said I was rude! Have been calling ever since then. Portfolio Collections evidently know how to bypass " nomorobo '', and do not call by changing their number. However on my cell phone I can stop them by blocking each and every call. Doesn't work at home. Have been calling for at least 2 years! Ignore or tell them not to call. Doesn't stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to Equifax that do not belong to me. They stated they needed certain items to complete the investigation. I sent the exact requested items via USPS Priority Mail and they received the items requested. They are now delaying AGAIN and asking for the same exact items I had already sent. HOW IS THIS LEGAL??!?!?!?! I believe they are intentionally pretending to not have the items so they can refuse to do the investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

US BANK charged me Monthly Maintenance Fee on XX/XX/2019 due to I do not meet the monthly requirement. 

However, I join their " Because Youve Earned It '' in the early XXXX to avoid the fee charge. The application web page is : https : //www.usbank.com/bank-accounts/checking-accounts/credit-score-checking-account.html On their website, they claimed : Because You've Earned It members get a consumer Gold Checking Package with no monthly maintenance fee, full access to XXXX XXXX , and express delivery for replacement debit cards. 

Based on the statements, I got what ever I need after becoming a member. But, they said I have to covert my account into a gold checking account to get the benefits. However, the y did clearly and consistently make a clear statements in the whole website. Since I trust their statements, I thought I already got the benefits ( no monthly fee ). But, they charged me feee in the XXXX. 


They did not state things clearly and charged me the fee.
Product: Credit card

Between XX/XX/XXXX and XXXX, XXXX, I made online donations to XXXX charitable organizations in the total amount of {$720.00}. When the Citibank credit card statement came, names and dollar amounts of these transaction were correct. 

XX/XX/XXXX, getting ready for tax preparation. I looked at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX receipt for year, the XX/XX/XXXX gift was not included. I called XXXX. They had not received the money. I called all XXXX. All confirmed they did not receive the donations. I called the number on credit card. Was told to call and file claim. Which I did. 

XX/XX/XXXX. I received letter asking for a list of merchants names, dates, and dollar amounts which I sent XX/XX/XXXX. I received a letter saying too much time has passed since billing date.., and I need to contact merchants directly. Which I did. This is the second time merchants confirmed the donations. 

XX/XX/XXXX. Citibank sent a letter for each merchant saying they needed a valid credit slip. There are none. I gave on line where you dont necessarily get one and merchants never received the money so they didnt issue receipts. 

XX/XX/XXXX. Citibank sent blank forms on each merchant asking for information about my contacts with merchants. I completed forms and mailed them overnight to bank. 

This has been going on for five months now. Ive done everything Citibank employees have asked of me. The fact remains : Citibank misappropriated my money. They also did not disburse funds as directed. This is a bank error.
Product: Mortgage

XXXX   XXXX   XXXX   who brokered a title insurance policy th rough Fidelity National Title Insurance  appointed by  XXXX   XXXX  Bank failed to provide clear title or inform me of title issues by the time I purchased my property  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX  brokered with a California division outside of NYS who have been unresponsive to my letter of inquiry . ( Fidelity National Title Insurance Company with the address o f  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  California  XXXX .  XXXX  failed in it 's fuduciary responsibility to be a neutral par ty ( Trustee or Beneficiary ) to   inform me of changes made to legal title and what appears to be a factious foreclosure or property abandonment whereby  XXXX   XXXX   XXXX . self assigned themselves to create a new mortgage lien in   XXXX   under the guise of a loan modification and awarded themselves over {$38000.00} of which no accounting has been presented to me. My property has a clouded title whereby it appears that  XXXX  entities  XXXX   XXXX   XXXX . has a lien and  XXXX   XXXX   XXXX  also had or has a lien and securitized interest in my property. I have had no dealings with either of them or anyone else and it was the trustee 's responsibility to do what was proper by me and in compliance with the SEC and tax laws. It appears that some other " unknown '' entities with judgments unrelated to me have been attached to my property in the  XXXX   XXXX  land and Court records by the law firm  XXXX  of which I have written a letter to the  XXXX   XXXX  Clerk  XXXX   XXXX  to correct and remove This complaint is in relation to previous complaints I have  made with CFPB on   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   .
Product: Credit card or prepaid card

Sears Credit Card ( Citi Bank ) with their interst rate. I will never be able to pay. {$220.00} times 2. on XXXX17. and it also affects my credit scores. BEST Buy (. CITI BANK ) INTERST RATES THERE ARE WAY TO HIGH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,   XXXX   ) that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.
Product: Checking or savings account

I am a victim of identity theft. Please remove these accounts that appeared on my Chex system and XXXX credit bureau. These are fraudulent. They don't belong to me. 

XXXX XXXX XXXX XXXX appears 3 times XX/XX/22 AND XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 ON XXXX XXXX BANK XX/XX/22 According to consumer law 15 U.S.C. 1681b ( a ) ( 2 ), CRA 'S do not have permissible purpose nor did they have my written instructions any negative information on my report.Please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B 15 U.S.C. 1681c-2 which states that the information must be removed within four business days of receipt.
Product: Checking or savings account

Disputed a transaction a while back in XXXX from XXXX XXXX  for {$1400.00} ( a charge paid on XX/XX/XXXX ) ; they stated it was the valve cover gasket leaking so they charged me but they did not fix the issue and I have taken it back to them MULTIPLE times to get it fixed ; they charged me an additional {$610.00} on XX/XX/XXXX stating it was another issue regarding the oil leak ( the oil intake gasket ). My car is STILL leaking a lot of oil ; I took it to XXXX other shops to properly diagnose the issue. Both stated it is still the valve cover gasket leaking a lot of oil. XXXX XXXX only offered to return part of my money ( for labor not for parts ) not the entire balance, but to get it fixed with another mechanic company that knows what they are doing I have to pay for labor AND for the parts. Wells Fargo refused to hear my side of the story and denied both of my disputes though my car is still heavily leaking oil and smoke is coming through my vents. I have quite a bit of proof that shows XXXX XXXX took my money and did not fix the issue ; I have proof that I was charged from XXXX  for the valve cover, the denied dispute from Wells Fargo, as well as documentation from XXXX additional mechanics that states my Valve Cover is still leaking ; with dates from after XXXX XXXX. I attempted to contact Wells Fargo stating I had additional proof ; they stated to email it over to their email address and someone will reach out to me in about XXXX hours ; no one reached out to me. After a week or XXXX, i reached out to them ; they claimed they are not able to see the email when it was sent multiple times to them in clear condition and not XXXX did anyone from Wells Fargo attempt to reach out to me after I sent a thorough email to them with the additional proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX appeared on my TRANSUNION credit report.