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

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer.

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice. 

Listed below are the Collections that are being challenged XXXX - XXXX
Product: Credit card

I am writing to report that an American Express account has been opened or used fraudulently under my name. I did not authorize this account, and I believe I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I never received a Private Policy Notice or Opt Out Notice from creditor. 
Under the Gramm-Leach-Bliley Act financial institutions must give privacy notices to their customers and consumers a " clear and conspicuous '' written notice describing their privacy policies and practices. 

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans.debt collecting.

Whether or not you share customer NPI, you must give all your customers a privacy notice. You must provide an " initial notice '' by the time the customer relationship is established and annual notices afterwards.

Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have made several attempts with Transunion to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. I am seeking assistance from the Consumer Financial protection Bureau to compel Transunion to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! Thank you in advance! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account Name : XXXX  XXXX  XXXX. 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting

I have written Equifax several times, yet every time my loan officer pulls my credit report it still reads the same. The creditor name is " N/A ''. This is not accurate, not verifiable, and therefore illegal in reporting. They have always done this and I keep wriring them to point out and then they tell me who the creditor is. As they have had multiple opportunities to fix this mistake and refuse to change their ways I demand this be removed! 
You will see in what I attach all the "??? '' where I do not have a creditor name to write down! 

The account number showing is XXXX for {$1000.00}. I have no idea what this is!
Product: Credit card or prepaid card

When I started my XXXX I was told by Bank of America I can only open up a secured credit card through my XXXX which I did and gave {$1500.00} to them for a CD. They never graduated the account and now would like to just close it out and request back my money from the certificate of deposit.
Product: Mortgage

For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. 
When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. 
On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.
Product: Debt collection

I heard from this company one time. They called me and told me about a debt that was not mine. I have been a victim of stolen identity since XXXX. My purse was stolen by a room mate of mines and every since this happened I had random things pop up that do not belong to me. This company California Bureau contacted me telling me about a hospital debt saying my New York insurance did not cover it. I was unaware about what this place was speaking of especially since the spoke of a debt from XXXX and I recently just got the phone number they were calling me from. 
Next she just started telling me I had 30 days to give them the money and that they know where I live and if they have to put this on my credit it's going to ruin it. 
I then went on to explain that I was not the person who was there, she kept saying oh well you have 30 days and I'm sending a statement to a address that I no longer reside at. 
She then warned me that this is going to damage my credit if she had to report it and she does not get the money. Next thing I notice in XXXX someone illegally ran my credit report and the notes said I applied for a loan. ( same company ) I did not give them permission to run my credit nor did I apply for a loan. A couple weeks later They placed a collection on my credit. I assume the person that stole my identity has been using my medical insurance and was not able to use it with these people and then they tracked me down due to searching my credit profile with the unauthorized inquiry. This is not my debt and I don't want to continue being responsible for an Identity thief.
Product: Debt collection

I do not know the date of original charges. They have never sent me any verification. I have disputed these numerous times to no avail. I have never had a XXXX XXXX Account.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I received an email after applying for a personal loan on a website XXXX  XXXX directed me to. It took me through several applications from different places and I filled them out and when I checked my email later there was an offer XXXX at 6 % from XXXX XXXX at XXXX XXXX. XXXX. I called he asked for banking info and that was a big no go on my part. So he said I could pay the XXXX $ with a XXXX XXXX activation card which in my head at the time made sense bc he was telling me he was western union the loan. Well I could not find the card so he said get XXXX play got it he said since I have bad credit I had to make a one time payment of XXXX $ paid it. Then he said I still could not get it bc I had to pay state tax XXXX XXXX Im such a dummy
Product: Credit reporting or other personal consumer reports

One again a account that doesnt belongs to me appeared on my credit report out of no where for the second time and equifax allowing this
Product: Credit card

I have a credit balance of {$110.00} I told them NOT to send a check and to please leave the balance on the account to apply to my future charges. They refused and sent out the check. Over the past 6 months and THREE checks they claimed they sent I have not received one of them in the mail. They are liars and are trying to steal the {$110.00}. I have asked them to put the funds back into my account and they refused. I have asked them to directly deposit the funds into my CHASE checking account and they refused, I have asked them to XXXX OR XXXX the funds into my account and they have REFUSED. I am requesting the funds plus interest for the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and  nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have directed XXXX to include a statement of dispute on my credit report twice, in writing, but they have refused to do so. They are now saying that there is not enough information to complete my request, but they are clearly just placing roadblocks in my path to prevent me from communicating directly with potential lenders about XXXX 's false claim that I have " insufficient credit history, '' when I have over 30 years of positive credit history. As a XXXX Military Veteran, I am incensed that XXXX is deliberately interfering with my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

syncrony bank is calling me constantly claiming i owe them money but i dont ... .they are basically harrassing using machines to call me from XXXX to XXXX 7 days a week ... all my accounts are current
Product: Mortgage

I am doing the short sale for this property with a closing date of XXXX. I already asked for one extension. The home is not in the best conditions and required repairs on the buyer part XXXX they already invested money in a home that is n't theirs XXXX Now we are having issues with the city because they require an inspection which then might require repairs. The buyer is requesting an additional XXXX week extension to get everything figured out with the city. This home does not have a foreclosure date. The negotiator on the file is saying the investor says no extensions however there is no foreclosure date. What are they going to do just close the file and accept no more offers when the house did not go foreclosure?
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX Balance {$0.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XX/XX/XXXX# XXXX XX/XX/year>2020 -- {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my XXXX XXXX has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXX XXXX XXXX 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
Product: Checking or savings account

I have lost my phone on the XX/XX/XXXX and theres a withdrawal in my account that was made on XX/XX/XXXX amounting to {$1600.00} and {$200.00}. I have reported this to Chase claims department including a withdrawal of {$4700.00} on my account leaving my account to be overdrafted. When I filed the claim, they told me there will be a resolution by the XXXX to XXXX day. When the XXXX day has arrived, I still havent received any updates. Talked to a lot of agents and they keep on circling and repeating every details they are telling! When I called on the XXXX day they told me to call on the XXXX day because I should have a resolution by then only to find out they are waiting for the packet that will be signed by me. I have already informed me I am not informed that such papers are needed in order for them to work for my claims! They didnt even gave me reconsideration and my account is restricted and they decide to close my account! Either way, even if I win the case for the claims of {$6400.00} I will still not get my money because they have closed my account! 

Chase! {$6400.00} is not a small amount! I want my money back!
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under Commonwealth Financial. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 instituition and Zelle failed to investigate my claims adequately. The CFPB 's findings indicate Zelle has not only neglected to protect consumers but has also alled repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.