23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The company said the account is open but I have issues with another bank. I do not have any known issue with any banking institution as I am employed with a bank. I have not been able to receive any documentation to say why the account can not be funded ( yet it is open ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPBs issue with the platform. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, TransUnion XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from TransUnion or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have created a complaint, sent out letters, supplied my proof and still received notification from the company that the information was verified by XXXX XXXX. I have attached a copy of my confirmation from XXXX XXXX that they are NOT to share my information dated in XXXX but Equifax has a letter dated XX/XX/XXXX that was their method of verification.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I have been unable to get Caliber Home Loans to correct the payment errors that are listed on my account and that were wrongly reported to all 3 credit bureaus, which has negatively impacted my credit score. My bankruptcy was discharged on XXXX XXXX ( see attached ), which Caliber agreed that all payments were current on my loan my Bankruptcy would not have been discharged had I not been current on all payments owed. I am asking that all late fees be refunded to my account, all negative reporting to all credit bureaus be removed, and any fines and penalties due to these ongoing errors be resolved. The amount of stress, anxiety, and mental anguish this has caused has been immense! 

The following listed payments are what Caliber has listed for me for the year XXXX : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XXXX, XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1000.00} Total : {$9900.00} Caliber failed to credit the payment I made on the following, dates in addition to the payments listed above ( See XXXX attached pages from my bank as proof of payment dates listed are when the payment cleared my bank ) : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$750.00} XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$1900.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$920.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1000.00} Total : {$15000.00} In other words, I paid in XXXX a total of {$25000.00}, of which Caliber only credited me for {$9900.00}. I estimate ( based on worst case monthly scenario of {$1900.00} per month ) that I overpaid Caliber at least {$1800.00} for the year XXXX. 

Fee Errors : Your company incorrectly imposed a Late fees of {$190.00} as of my XX/XX/XXXX statement. See attached XX/XX/XXXX statement. 


Default Errors : Your company falsely put my loan in Default status and has sent someone to place notices on my front door XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Every time I have contacted, or attempted to contact Caliber by phone, I usually wait 1 hour to actually talk with a person and am on the phone for an additional 30-45 trying to resolve my issues and disputes to no avail. On XX/XX/XXXX I sent a letter via fax to : XXXX as instructed. I was told on XX/XX/XXXX that my fax was never received. I mailed the attached letter, and proof of payments to Caliber from my bank dated XX/XX/XXXX on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any reply and continue to receive statements with incorrect payment, and Outstanding Principal amount information. ( See attached statement dated XXXX/XXXX/XXXX ).
Product: Credit card or prepaid card

So at XX/XX/19, JP Morgan Chase closed my credit card and refused to tell me the reason. 

I already communicated with them and they told me it's because of new bank policy. Some of my friends had the same thing recently. We are thinking of JP Morgan Chase is having major issue with their credit card service or they are discriminating clients. I never used this credit card to do any improper things, and I couldn't think of any reason why they would close my account.
Product: Student loan

My loans are through aidvantage. I have 4 total loans. One loan is so ahead in payments I do not owe till XXXX. My monthly payments pre-forbearance were about $ XXXX across all loans. Since repayment began I have been charged over $ XXXX. I have talked to them monthly via their email portal. Every month they claim it is fixed. Every month I double check the auto pay. And every month I have been over charged and they have refused to fix the issues, claiming next month will be fixed. At this point its theft. I have not agreed to double my payments, the government claimed there wouldnt be penalties for being in forbearance. Please help
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF DISPUTE AND NON-CONSENT XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/2024 To : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Information on Consumer Report Dear Sir/Madam, I, XXXX XXXX XXXX , hereby submit this affidavit regarding a matter of urgent concern. It has come to my attention that [ specific account or item ], identified by [ account number or reference number if available ], has been reported on my consumer credit report. I contend that this information was furnished without my consent and is therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( b ). 
1. Statement of Facts : * I did not provide any authorization or consent for the reporting of the aforementioned information on my credit report.

* The inclusion of this information on my consumer report is a violation of my rights under 15 U.S.C. 1681a ( b ), which stipulates that consumer reports must only include information relevant to the consumer 's creditworthiness, and that such information must be reported with the consent of the consumer.

2. Request for Action : In accordance with 15 U.S.C. 1681i, I am requesting that the disputed information be investigated and removed from my credit report immediately. Please provide written confirmation that this information has been deleted and that my credit report has been updated accordingly.

3. Supporting Documentation : Enclosed are copies of my recent credit reports from your respective agencies highlighting the disputed entry, as well as any other documentation that may support my claim. 
4. Contact Information : Please contact me at XXXX or XXXX should you require any additional information or documentation to expedite this matter. 

Thank you for your prompt attention to this serious matter. I trust that you will address this issue in accordance with the provisions of the Fair Credit Reporting Act and ensure that my credit report is accurately and fairly maintained. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX XXXX  XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family, not being able to pass a background check for employment, funding my business and this has created great hardship for me and me family as mentioned. 

I attach my previous credit report and my new credit report to show how Equifax, XXXX has violated my rights. 

XXXX has refused
Product: Debt collection

Over the last few years I have received countless calls ( 100? frequency has been increasing this year ) to collect debt from " XXXX XXXX. '' I am not XXXX XXXX. The only XXXX XXXX I know was from high school in the XXXX. 

I learned last week that XXXX XXXX 's debt is associated, at least in part, with medical service or equipment. I learned this by calling the number XXXX and found out it is XXXX XXXX. I was informed my phone number would be removed from XXXX XXXX 's record. The next day Transworld called again and when I complained, told me it could take 24 hours for the database to catch up. Well, this morning I got another call for XXXX XXXX from a company that would not identify itself. 

I found out debt collectors do not have to honor a do-not-call registry. [ insert swearing here ]. So I'm filing a complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I have multiple loans under my name that were not open by me. I have already reported this issue to the federal tax XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureausEquifax, XXXX, and XXXX violated the Fair Credit Reporting Act ( XXXX  ) and the Gramm-Leach-Bliley Act ( XXXX  ) by reporting inaccurate information, failing to conduct thorough investigations into disputes, and disclosing non-public personal information without authorization. Despite being notified of errors, they failed to take reasonable steps to ensure the accuracy of consumer credit files, violating XXXX XXXX. XXXX ( a ) and XXXX ( b ) of the FCRA. Additionally, by sharing and reporting sensitive financial data without consent, they breached their legal duty under XXXX XXXX. XXXX ( b ) of the XXXX, which requires financial institutions to safeguard consumer information and prevent unauthorized disclosures. 
These violations have resulted in significant harm, including incorrect credit reporting that negatively impacts financial opportunities, increases borrowing costs, and exposes sensitive financial data to unauthorized third parties. The credit bureaus failure to conduct proper reinvestigations, correct errors, and protect private financial data reflects a willful disregard for consumer protection laws. Their actions warrant statutory and punitive damages under the FCRA, as well as injunctive relief to prevent future violations. Consumers have the right to accurate reporting and privacy, and the credit bureaus must be held accountable for their failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported balance on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX AF-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX AF-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate information on my credit report with Experian, TransUnion, and multiple creditors. Despite multiple formal dispute letters sent via certified mail, I have not received any responses, corrections, or verification of the reported debts. 

I initially submitted disputes to Experian and TransUnion on XX/XX/XXXX, outlining multiple inaccuracies regarding my personal information and several credit accounts. 
After receiving no response, I sent another dispute to Experian and TransUnion on XX/XX/XXXX. 
Debt Validation Requests by Assignment were sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX. 
After no response, I issued a Notice of Default and Opportunity to Cure to them on XX/XX/XXXX. 
I sent a final notice on XX/XX/XXXX, again demanding validation or removal of the incorrect information. 
Despite these repeated efforts, the companies have failed to respond or provide proper validation, which is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .Disputed Accounts and Issues : 1. Personal Information Errors ( Experian & TransUnion ) My current and previous addresses are incorrectly reported. 
My employer information is inaccurate. 
The credit bureaus have failed to correct these inaccuracies despite clear proof provided. 
2. Credit Account Discrepancies XXXX XXXX XXXX Account # : XXXX Balance, high credit limit, and reporting errors persist despite requests for validation. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Account # s : XXXX, XXXX Incorrect balances, dates, and past due status reported. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX Account # s : XXXX, XXXX Misreported balances, incorrect credit limits, and erroneous account details. 
Dispute dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXXViolations and Legal Concerns : Failure to Provide Debt Validation Under 15 U.S. Code 1692g, debt collectors must provide validation upon request. The lack of response constitutes a violation of FDCPA. 
Failure to Investigate & Correct Errors Under FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate and correct inaccuracies within 30 days. Experian and TransUnion have failed to do so. 
Failure to Cease Collection Activity Without Validation Under the Florida Consumer Collection Practices Act ( FCCPA ), debt collectors must cease collection efforts until a dispute is resolved. 
Possible Unauthorized Reporting & Violation of IRS 1099-C Requirements If the debts have been charged off and qualify as canceled, creditors are required to issue a 1099-C Cancellation of Debt Form, which has not been provided.
Product: Debt collection

XX/XX/XXXX, I signed a lease with The Social XXXX Student Spaces in XXXX, FL. within the three business days of consequence-free lease termination, I reached out to the property and notified them that due to an unexpected death in my family that I would not be able to move into the apartment. I asked if I need to fax them anything such as a death certificate, an obituary, or a lease termination form. I was informed that none of that was needed and that I could take my time to grieve without the stress of having to find a subleaser. Ironically, I was told prior to singing my lease in case I did not like it to not pay the entire move-in fee. How can a lease be canceled if it was it was never effective due to the move-in fee never being paid? 
XX/XX/XXXX, I reached out to the property to confirm that I was not moving in. However, the person whom I spoke with was no longer employed at the property. I explained the entire situation and was basically told that I have to pay the monthly rent until I find someone to sublease the apartment. 
XX/XX/XXXX, I get a notification that my credit score dropped due to an unpaid collection. I reached out the collection agency, IQ Data International. I asked for a detailed debt validation such as an itemized list of fees owed, a copy of the lease with my signature on it, any documentation that I would have sent the property such as a copy of my driver 's license and social security card. However, as of XX/XX/XXXX I have not received anything from IQ Data International in the mail regarding the debt or anything that I asked for. 

IQ Data International has threatened to send me jail.

IQ Data International has threatened to do an asset investigation to seize any asset that I could own.

IQ Data International has harrassed me to the point that I felt forced to change my number.
Product: Debt collection

In XXXX of XXXX, I cancelled XXXX and returned the recording box. I was charged for services I did not receive and for the box that I returned. Now, there are 2 debt collecting companies recording this debt falsley on my credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally to express my concerns regarding Zelle handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform dispite using zelle numorous of times and reporting discrepancies my funicial institution and Zelle failed to investigate my claims adequately they Informed me that reviving lost funds was impossible and that tracking these was unfeasible the CFPB findings indicate that Zelle not only neglected to protect consumers but has allowed repeat 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my TRANSUNION credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted a request affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

These late payments dont match my usual on-time record. Please remove them and update my accounts right away.
Product: Checking or savings account

I submitted my complaint XX/XX/XXXX about the following transactions. 

I sent receipts on XX/XX/XXXX. 
On XX/XX/XXXX I received the letter saying that they did not receive the receipt. 

I didn't call on XX/XX/XXXX and was told that they did receive my receipts and that that there was nothing that they could do about it. 

The agent then told me that she can resubmit the dispute. I have not heard a response since. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I was looking at my report and notice there was some things not correct. I sent a letter to Experian on XX/XX/year>XXXX  here is my tracking number XXXX. But ut has been more than 35 days since the credit bureaus have not responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as proved in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at the consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this twice with Transunion started in XX/XX/XXXX in the amount of {$160000.00}, for our home mortgage credit report stated 36 missed payments. They have sent me paperwork once stating that I was correct, since I have checked my credit and it has not been changed this is severely hurting my credit. According to '' XXXX " we are current on mortgage payments. I mailed copies on XX/XX/XXXXof the second dispute with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw a fraudulent hard inquiry and contacted the company XXXX XXXX  ). I was told they would send a dispute letter which they have not. I'm trying to dispute the hard inquiry.
Product: Checking or savings account

My company ( XXXX XXXX  XXXX XXXX XXXX ) is a small private real estate lender. We have a borrower that had a fire on the property securing our loan. The insurance company issued two dual party checks ( {$91000.00} and {$2600.00} ) to XXXX XXXX   XXXX and the borrower and mailed them to the borrower. The borrower typed " XXXX XXXX  XXXX '' on the back of both checks and Chase Bank deposited the entire amount into his account. There was no endorsement guarantee or verification of the typed company name ( no signature on the back of the check, just the typed company name ). I have tried to resolve this with Chase, but they are unwilling to even look into the matter at all. They will not let me file a complaint because I don't have an account with them. Please help me.