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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never gave anyone permission or written content this a violation of laws and my rights as a consumer. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

The Information as Shown Below Must Be Investigated Immediately. Failure to Provide Adequate Details, Method Of Verification, Accuracy Of All Dates, Amounts, and other pertinent information will result in the immediate filing of formal complaints with the CFPB and the FTC. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method.

I am aware that the FCRA provides you ( 30 ) days to investigate these items, and XXXX ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted.
Product: Mortgage

Payment was sent on the XXXX of XXXX from my XXXX account and was never processed at the XXXX processing payment center until the XXXX of XXXX. 

So I sent copies of my bank documents showing it was sent in plenty of time, yet I know am being charged a late fee, for sending my payment 6 days prior to being officially late on the XXXX. 

Apparently I as well as many have experienced this same issue without resolution obtained from the XXXX Nevada XXXX XXXX, who apparently handles the XXXX Payments?
Product: Debt collection

Several accounts on my credit report seem fraudulent. Requesting their prompt removal and blocking.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit card or prepaid card

Chase keeps denying my credit increase request when my payment history is sound. They denied my credit when I had a good score and denied it when I had a bad score. Speaking with someone there at Chase said something to the effect that they use " judgmental lending '' meaning it is arbitrary. They claim to use my credit score/report but this is a smokescreen. 

I tried to contact the cowards at Chase but the person who responded to my last complaint always goes to voicemail.
Product: Mortgage

I recently re-applied for mortgage assistance through Wellsfargo Home Mortgage. On XXXX/XXXX/15 my attorney sent my financials and application to be considered for a modification. On XXXX XXXX, my attorney called to confirm receipt of documents that were faxed and they said they needed additional documents which were faxed the same day. My attorney followed up again XXXX XXXX, 2015 for a status on docs that were sent on XXXX XXXX, 2015 and they now asked for additional docs which were never requested however, I complied and sent everything via fax again on XXXX XXXX, 2015. On XXXX XXXX, attorney called for status and again they asked for additional docs and a lot of the same docs that were already submitted which leads me to believe they are not reviewing the paperwork I am sending and are not interested in even helping me. I continue to advise them I have a sale date and to please tell me what is needed at all once so we can avoid any delays but they never give a good response other than request additional documents. Therefore, I complied and sent everything they requested again XXXX XXXX, 2015. Today XXXX XXXX, 2015 my attorney calls for status and they are advised that they are still in need of additional documents which have been sent twice before. I am filing this complaint because I have complied with all their requests and they are not reviewing the docs and are simply telling me to send things everytime I call when I have proof that I have mailed everything they have requested over the phone. At no point have they called me or provided anything in writing to ask for anything unless I call for a status. For this reason, I ask for your assistance as I am doing everything possible to keep my home.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Personal Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries showing on my report were not authorized by me. That's affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. 

I did not consent, authorize, and/ or grant permission to EXPERIAN XXXX XXXX XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. 

In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have since XX/XX/2023 been attempting to correct information regarding 4 accounts from XXXX XXXX and 2 accounts from XXXX XXXX that belong to a different XXXX XXXX XXXX with a completely different social security number of ending in XXXX. I have provided all my information including my social security card, drivers license, passport etc. I was told after the first 30 days that " these accounts are reporting correctly '' I reached out to the creditors XXXX XXXX and XXXX XXXX. They both reported back to me that these accounts were not reporting under my social ending in XXXX. I have attached all the correspondence that was submitted to Equifax. These accounts are ONLY reporting to Equifax. They have never been reported to XXXX or XXXX. I have provided all this information and proof including the latest letter from XXXX stating on company letter head and singed that these accounts are not mine. Yet I get the standard we need 30 days to investigate. Its not our problem it's the creditors etc. It is NOT the creditors it is Equifax and only Equifax that has my file merged with a different XXXX XXXX. a very common name by the way. I can not get them to correct their issue. It has caused me to loose a new job offer and now prevented me from renting an apartment.
Product: Credit reporting or other personal consumer reports

An FCRA violation refers to a violation of the Fair Credit Detailing Act ( FCRA ), a law that governs the collection, dissemination, and use of consumer credit information. You are expected to ensure that all of the information on my credit reports is 100 % accurate. Due to the harm I've suffered as a result of this FCRA breach, I am entitled to compensation, which I would prefer in the form of DELETIONS ; if not, I will have to send it to my legal counsel. I demand that the accounts mentioned in my letter be deleted right away because they are not entirely accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against CreditPoint720 for their failure to cancel my account and continuing to charge me despite my attempts to cancel their service. 

I subscribed to CreditPoint720 's credit repair service back on XXXX. However, due to unforeseen financial circumstances, I am no longer able to afford the monthly subscription fee, and this is the reason I asking to cancel this service. 

I have attempted to cancel my account with CreditPoint720 multiple times via email, text, and through their client portal, but I have not received any response from them. On XX/XX/2023, I called their customer service line ( XXXX ) several times, but no one responded. I have also sent messages directly to XXXX XXXX, the customer service representative I was assigned to, but I have not received any reply from her. 

I have given them more than enough time to process my request, and yet they have not acknowledged my efforts to cancel their service. 

I believe that CreditPoint720 's lack of response and failure to cancel my account is a violation of my consumer rights. I am now facing financial difficulties, and I can not afford to continue paying for their service. Despite my attempts to cancel, CreditPoint720 has continued to charge me for their services, which is causing me undue financial hardship. 

I would like to request that the Consumer Financial Protection Bureau investigates this matter and ensures that CreditPoint720 cancels my account and stops charging me for their services and continue increasing my due amount. I would also like to request a to remove all charges that were made after I requested to cancel my account. 

Thank you for your attention to this matter. I hope that the Consumer Financial Protection Bureau can help me resolve this issue. 

Sincerely, XXXX
Product: Student loan

In XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but they notified me that the processing times would be more than 6 months to a year. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness.Throughout the pandemic I paid almost $ XXXX payments. Im worrying that I cant take advantage of the new forgiveness. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account and they even got refund into their bank accounts. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which unknown time, while the interest rates and payments will resume again in XXXX. 
They didnt send out confirmation emails or anything to prove that they send in our request. I understand that the process might take long, but it's very concerning to me when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Other people 's loan providers reinstating their balance after requesting it just 36-72 hours later and got refunded after couples days later that makes me very concerned that this company does not have our best interests at heart. This money is life changing for me, so I really looking forward to get back as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumers report and noticed an account with inaccurate information. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for full accuracy. the account in question is XXXX. ( XXXX XXXX  account number xxxxxxxx )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability recovery services is reporting to the credit agencies stating I owe them money for several accounts. There is absolutely no signed legal documentation for a contract between myself and Ability. I wrote them a letter back in XXXX referencing 15 USC 1692A-E and gave them 30 days to remove from my credit reports. It was delivered and signed for via certified mail. No contact from them has been made as of today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SSN : XXXX, DOB : XX/XX/XXXX, Address for the past XXXX years Present : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX. XXXX XXXX under account number ( XXXX ) Opened on XX/XX/XXXX with no balance. 

XXXX. XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of XXXX. 

XXXX. XXXX XXXX under account number ( XXXX ), opened on XX/XX/XXXX with a balance of XXXX. 

XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of XXXX 

XXXX XXXX under account number ( XXXX ) opened on XX/XX/XXXX with a balance of XXXX. 

The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts mentioned above are due to identity theft and fraud. I have attached a copy of XXXX  Identity Theft Criminal Complaint XXXX  ( XXXX ) as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my second complaint. I finally got a letter and i sent in all the needed documentation with my letter. I have been trying to remove a freeze since XXXX to buy a house. I finally got a letter onyl because i did a complaint on here. But i had a letter cover sheet and all documentation. They send a letter asking for everything i sent and this is XXXX time i have sent. I have tracking. They ate throwing away my documents or something. I need the freeze removed and it should not take 4 months. This is someone not doing their job and i cant get a mortgage. They wont help me on XXXX call. They wokt help me after sending every document possible and then say they dont have my documents. This is injustice. No office to go to in person is obsurd. All i need which is my right is my credit to be able to be pulled and no freeze. I never put a freeze on. I need help not a email saying they doing their job when they are not.
Product: Debt collection

A medical bill, paid by the VA in XX/XX/XXXX, was sent to collections in XX/XX/XXXX. I was never responsible for this bill and I never released my social security number. Collection was filed in XX/XX/XXXX against my social number. I never received any written communication from the private medical facility. This came to my attention a few weeks ago, when denied credit, based on this collection. The bill was the responsibility of the XXXX XXXX VA and they paid it in XX/XX/XXXX. So how did they get my social an why file a collection when the debt was paid. Identity theft and fraud.
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 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 CFPB 's 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. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 consumer safety.
Product: Debt collection

I received a phone call from a woman at Vital Recovery Solutions who insisted that she would hang up her phone conversation with her if I was going to cuss   her out. I proceeded to hang up on this XXXX who refused to give out my account number, email or email documented information of the amount I owed to her company. I did not even know the name of the company she was calling from when she called me. Instead of getting an invoice from her, she gave me her supervisor 's email address to as him. Too young. They're wrong, is my point, demanding me to verify my information without sending me something in the form of writing. 

When I called again, I said I would not verify my information. I had to ask who the the person I was talking to was, and verify the address. This company is not even licensed in the state of Texas. XXXX XXXX didn't even have the license number of the company. I think this company is a scam. It needs off of my credit report. I will pay the XXXX XXXX on my own. 

XXXX XXXX
Product: Debt collection

Was sent to collections with no knowledge never sent validation letter or email or call. The debt in question I do not owe, as the landlord kept my security deposit and told me I can move out and they will keep it and I also have texts to prove it. Than they tried to submit bogus damage charges they claim I did to the house and I told them that I needed a break down of charges including time spent performing the repairs which they never sent only a text breakdown. I agreed that the screws in the wall where my doing but that's it. When I told them that the damages are bogus and told them we can just meet in court they never responded back.
Product: Credit reporting or other personal consumer reports

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, Experian Has Failed to comply with their own credit company policies in a timely manner.
Product: Debt collection

Company continued to bill me after i canceled my account and moved out of state without my knowledge.
Product: Credit reporting or other personal consumer reports

Incorrect information on your report - Discovered multiples different pieces information and multiple accounts on credit report that is fraudulent Unable to get your credit report or credit score - Having difficulty accessing XXXX credit report as well as others by means of their own website as well as through the annualcreditreport method to compare reports with other bureaus Problem with a company 's investigation into an existing problem - After a written dispute which included all information and material required by Experian they have refused to comply with my request for correction and investigation