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

I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Product: Credit card or prepaid card

I made several attempts to receive assistance from Amazon and Synchrony Bank but I receive extremely poor assistance and no assistance at all while requesting account number XXXX to be updated and to investigate any unpaid balance and phony gift cards as form of credit. Such account should have a credit balance and it should be mailed to my address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX and payable to XXXX XXXX XXXX. 
All or any correspondence must be in writing and sent to me by certified mail. 
You should send me a refund, investigate with any merchant the validity of any unpaid balance and or send me the merchants and reason for the unpaid balance information for me to escalate the situation personally. The account number regarding this matter should be permanently closed with XXXX balance. 

Respectfully, XXXX XXXX XXXX____________________________________XXXX XXXX 2019
Product: Debt collection

I am in the process of mailing a notice including this relevant information to Rausch Sturm LLP, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

As a summary, the debt collection company is not following debt collection practices in the area of suing me, sending me the wrong information and notices of intent to apply for default judgment when they are disregarding three key Minnesota Court Rules : Minnesota Court Rule 5.02 ( c ) ; Minnesota Court Rule 355.02 Subdivision 2 ; and Minnesota Court Rule 5.04 ( b ) 2020 Amendments.

" This message is to inform you ( any practicing lawyer at that you are not following Minnesota Court Rule 5.02 ( c ). Effective Date Of Service; and Minnesota Court Rule 355.02 Subdivision 2. Service By US Mail. These rules state that service by US Mail, which is how you were served, is completed upon mailing. I have provided copies of my certified delivery receipts and tracking numbers and delivery notifications when entered into the United States Postal Service website, indicating both the date of mailing, XX/XX/XXXX, and the tracking numbers indicate receipt upon XX/XX/XXXX. Your message, also included, states your affidavit was served on XX/XX/XXXX. The mailing date is, therefore, within acceptable delivery timeframe pursuant to your Summons and Complaint. I have enclosed a relevant information page of your request for discovery rules, dated XX/XX/XXXX as proof of your receipt of my Answer as well. USPS Tracking Numbers XXXX and XXXX. 

You have not complied with Minnesota Court Rule 5.04 ( b ) 2020 Amendments to provide a separate affidavit of service of your Notice Of Intent To Apply For Default Judgment. Failure to send an affidavit in a separate delivery violates this amendment as : Rule 5.04 ( b ) is amended to expressly require that proof of service be provided either by : ( 1 )... or ( 2 ) by filing a separate certificate of service. The amended rule specifies that a certificate of service must be signed under oath or penalty of perjury by the person effecting service. The certificate must also establish the specific time and manner of services, as this information is often required to determine the deadline for response. As this was not properly provided in a separate envelope or other separate mailing package that does not include the form it describes, your Notice Of Intent To Apply For Default Judgment is not valid for your stamped date of XX/XX/XXXX and will not stand contest or appeal in court unless you can supply documentation of a separately mailed Affidavit of Service, typically via certified mail receipt ( s ). 

As I have complied with Minnesota Court Rule 5.02 ( c ) and Minnesota Court Rule 355.02 Subdivision 2, the included copy of relevant information from your message noting the intent of obtaining a default judgment, dated XX/XX/XXXX, is false. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I called my loan company to dispute inaccurate credit reporting, and the company name is XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have an auto loan with them for my XXXX XXXX XXXX. XXXX Equifax is the only credit reporting agency with a record of the account open in my name but no payments have been reported on the account since XXXX of XXXX. XXXX and XXXX have no information reported to them about the accounts current and past status, and they can not intervene with a dispute on my behalf without a report submitted to them from XXXX XXXX XXXX regarding my loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA is in violation of violation 15usc1681, 15usc1681b and 15usc6802 This is the final attempt to resolve this matter before a civil lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX showing on my report and In accordance with the fair credit reporting act this account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX loans with Dept of ED/ Navient Lates are being reported for XXXX, XXXX, XXXX of XXXX for XXXX of the loans but not the other XXXX. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of XXXX. Ive disputed this issue with the credit bureaus with no successful outcome.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I PULED MY CHILDREN OUT OF SCHOOL IN XXXX DUE TO AN OUTBREAK OF COVID AN INFIRMEDTHE STAF THAT YOU DID NOT FEEL SAFE WITH THEM ATTENDING IN PERSON CLASSES, NO VIRTUAL CLASS WAS OFFERED. THE SCHOOL IS SAYING I OWE FOR XXXX WHEN MY CHIKDREN STOPPED ATTENDING IN XXXX PER TWO WEEK NOTICE THAT I GAVE THEM. I ALSO PAID FOR XXXX THOUGH THEY DID NOT ATTEND.I HAVE BEEN UNABLE TO WORK AS I HOMESCHOOLED MY CHILDREN, AS SENDING THEM TO SCHOOL WITH A KNOWN COVID OUTBREAK PLACES MY FAMIKY AND I AT RISK AS WE HAVE PREEXISTING CONDITIONS.
Product: Mortgage

We were brought into Guild and met with the sales manager XXXX to purchase our first home. He seemed nice at first. After the initial consult we were handed off to his assistant team. Things just fell apart. They clearly have NO documented business processes or documentation checklists. It was constant excessive back and fourths. Then when it came time to sign the loan package it was different then what we agreed to. When we brought it up they pulled a bait and switch and said that they needed more time, more money, new terms and an entirely new loan! Worst communication ever, unethical lending practices and made our first experience a horrible one. I would never trust or do business with them again!
Product: Debt collection

MRS BPO , LLC never contacted me but reported {$61.00} to all three credit bureaus - XXXX XXXX and XXXX XXXX and XXXX  have removed the collection, per my complaint. XXXX  has not removed the collection, to date. 

Original creditor, XXXX received their equipment on XX/XX/2020 ( Device XXXX and Device XXXX ) at the XXXX store # XXXX at XXXX XXXX # XXXX, XXXX, TX XXXX XXXX TRACKING # XXXX XXXX SHIPMENT ID : XXXX
Product: Credit reporting or other personal consumer reports

Experian refuses to investigate my dispute and remove XXXX ' improper reporting of a 30 day late payment added to my credit report. I have contacted Experian with a dispute on XX/XX/XXXX online and XX/XX/XXXX by mail showing proof of payments and their dates.They are not actually investigating or reviewing my documentation, all they are doing is asking XXXX if they reported correctly and taking their word for it without reviewing any proof that I have that this remark is incorrect.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America in XXXX California ( I was and live in Mass ) withdrew {$1000.00} by a Teller. I am unable to see of transactions, ATM, Check or Cash Withdrawal. That day my cellphone and Banks accounts were taken over by some type of fraud. I was able to lock down my credit card accounts but not my checking account in time, which resulted in {$1000.00} cash withdrawal. I filed a fraud complaint with BOA and changed all my accounts within two hours on XX/XX/XXXX. BOA had held back the {$1000.00} since XX/XX/XXXX. 

I have been following up since XX/XX/XXXX in an attempt to be reimbursed for the {$1000.00}. I have called almost every week. This morning I was told I must wait 90 BUSINESS days for BOA investigation completion before any type of reimbursement. 

BOA is a bully and I feel horrible for any family that lives paycheck to paycheck and would have this {$1000.00} held back from a family. Just recently BOA was fine {$220.00} million for freezing customers account with a faulty fraud detection program. Clearly BOA targets those of society that have little or no voice. 

I respectfully request the federal government to investigate BOA fraud policies for the sake of those that are living paycheck to paycheck. 

How can this possibility take 90 days for investigate? I must wait until approximately XX/XX/XXXX for BOA to conclude their investigation? I am stunned into silence that the sixth largest American company needs 90 business days to determine that their company gave away my funds out in California. 

I respectfully request Consumer Finance advocate for the same account owners of Bank of America
Product: Payday loan, title loan, personal loan, or advance loan

I have repeatedly ask this company not to phone me at my place of employment. I have written, faxed, and verbally made the request on multiple occasions. The company continues to call my job to check on a payment when in fact my account has been coded not to call my job. I am in danger of losing my job due to the calls. The supervisor has advised they are aware of the do not call my job option and dont know why the employees continue to phone me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX complaint today to follow up the previous complaint I submitted last XX/XX/XXXX regarding the removal of the fraudulenty items reporting on my Credit report. I feel like the Credit Bureaus have not yet done their best at correcting my Credit Report from any fraudulent information. I am submiting this CFPB complaint under the provisions of the FCRA section 605b that protects a consumer 's rights from any fraudulent information reporting on my Credit Report. If the Credit Bureaus claim that the disputed items are items belonging to my name, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus claims. And if the Credit Bureaus continue reporting the disputed items wihout providing me the documents I require, please understand I will seek legal action. If it is not that too much trouble, I need the following items to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

On XXXX/XXXX/2016 I got ac unit from conns on credit but come to find out its to big for my window so XXXX/XXXX/2016 took it back for exchange for a smaller one but they would n't exchange so I left it there. All I wanted was exchange. I even called the main office no good even calling them.Now I want it off my credit all together. Why should I have to be forced to take something that to big.All I wanted was exchange. Please help me have this removed from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
XXXXmmediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times in different accounts in the same financial institution and accounts from different banks 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 user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about Comsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company keep changing date and not doing anything to verify the dispute aging my report and its has past the statue of limitation in my state so it need to be remove from my report been dispute this for a couple of years and this should have come to resolution and it has not .how in the world last activity is XXXX and XXXX state its opened this is untrue unfalsely
Product: Debt collection

This debt was sold to a debt buyer which this account was open on XX/XX/year> I have reached out to this company requesting information that I own this alleged account i have not gotten ant updates now I am being harassed by a debt buyer
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 XXXX  # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX # XXXX. Account name : 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 : 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. 15 U.S. Code 1681 to ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to, Caine & Weiner Acct number : XXXX According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have a right to privacy and the reporting alone of this alleged debt violates my rights. I did not give consent to this debt collector to report this account. 

Under 15 U.S. Code 1692g - Validation of debts, debts are to be validated by law. This debt has not been validated. The 1st and only communication received from this collection agency was in response to my validation request. They responded with 2 request for payment ( see attachments ). According to the law, a bill does not validate a debt so they continue to violate my consumer rights by reporting an invalidated debt. 


Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 Caine and Weiner further violate my rights and the law by falsely updating the date last active each month because theres been absolutely NO activity on this account. They are illegally prolonging the length of this alleged debt.
Product: Debt collection

I am writing to dispute the following information in my file : <Item 1 : I C System, XXXX XXXX, Collection opened date : XX/XX/2020, Balance of {$610.00} incorrect. I filed to have this item disputed and it hasn't went away yet. 

The item I have identified is <inaccurate/incomplete> because<reason for the issue including any supporting facts/evidence>. 
I am requesting that this item be <deleted / adjusted/ removed from my credit history> in order to adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window.
Product: Checking or savings account

Chase Bank has refused to provide me with temporary credit as I had disputed a few transactions. Specifically, the transaction in the amount of {$64.00} from " union '' was disputed because the merchant said a refund would be made within 10 days. It has been over 10 days since I received notice of the event cancellation, and I had shared these details with Chase Bank. Chase Bank refuses to accept any documentation or other evidence from their customers, and only accepts documents through fax. I do not have a fax machine, and I do not have a vehicle for transportation. They do this on purpose to minimize their obligations to adhere to federal regulations.
Product: Mortgage

I have a mortgage with XXXX XXXX which is managed by Ditech Financial LLC. I have never missed a payment, and the loan is in good condition. 

At XXXX XXXX on XXXX/XXXX/XXXX, I called Ditech XXXX to inform Ditech of my home insurance to change in XXXX. However, Ditech started the phone conversation as if my loan is already in default and started to collect my personal information as to get ready for the collection process and treated me as their target for collection without knowing the status of my loan.