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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 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 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 - The following inquiries were not authorized and should not be reporting.

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/year>, my checking account with Venmo was suddenly suspended. I was instructed to upload my ID and reset my password. I did both of those things. Support then told me that my account would still remain suspended for XXXX business days, and that I would have no way to access or transfer the {$650.00} from my account. There is no reason for Venmo to hold on to my funds when I have provided identification proof that I am the account owner. I requested this to be expedited but they refused and said I would have to wait XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I the victim of the fraud, am requesting that XXXX XXXX XXXX, according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and l am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX all three have incorrect information and or have not deleted information from my credit report as they should have. One might have deleted it but the other two has not deleted it. My credit is up and down and will not get better until the three reporting MY CREDIT on an even basis. As one example, XXXX  was paid off but it's still on my reports for two of the listed above but it was taken off the other.. This is not the only one. Also I have requested from all three reporting agencies that the phone numbers, addresses and employment that they have and are showing to be removed. These things are not mine, I do not own them and they have nothing to do with me. The only address I have is the one I'm paying rent for, the only phone number I have is the one I pay for and I don't have a job at this point in time.
Product: Credit reporting or other personal consumer reports

15 U.S. $ 1681c-2 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, not later than 4 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete this items IMMEDIATELY! This account should not be furnished on my consumer report as its in violation! Under, 15 U.S Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL SUBMITTED to subsection ( c ) any consumer reporting agency agency may furnish a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed TD Banks Target
Product: Mortgage

CFPB complaint # XXXX about M & T BANK The following is a continuation on this account with CFPB. 
I, XXXX XXXX received the re-issued check for {$460.00} yesterday, XX/XX/XXXX. 
The M & T check # XXXX was a re-issue of check # XXXX from XX/XX/XXXX. 

What I didn't receive was the escrow from M & T using my money for almost 4 years.
Product: Checking or savings account

Last week my husband was booking a beach vacation for 3 days for our family. The person scammed us by asking for payment via XXXX and then disappeared. The amount was {$860.00} and we contacted the bank and they said we authorized the transaction and are unable to do anything for us. This is considered fraud and TD bank should refund the money. Please help us. 

Thank you, XXXX XXXX
Product: Debt collection

Moved my phone service from XXXX XXXX XXXX  to XXXX, XXXX subsequently paid off all phones and XXXX XXXX XXXX  then provided them unlock codes for all 3 phones on the account. Then I started receiving calls from Sunrise trying to collect a debt, when I asked representative on the phone to provide me with the info on the debt she was tryng to collect so I could go back to XXXX XXXX XXXX  she took my address and said I would get info in the mail, I haven't received it yet and now they are reporting on my credit reports. 

SUNRISE CREDIT SERVI Reported : XXXX XXXX, XXXX  - {$3700.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$3700.00} Highest Balance {$3700.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVI XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. XXXX accessing my TransUnion credit report. I attempted several times at different times to access my credit report and score and has been unable to do so. Please refer to upload.
Product: Debt collection

I found Americollect on my credit report and asked them what bill it was for and they told me XXXX NH XXXX. I called XXXX NH XXXX XXXX department to find out if it was legitimate and they said~ no bill of mine had been sent to collections. I then called Americollect back, as instructed by XXXX and told them what they told me and they spoke over me and were totally rude and wouldn't allow me to talk. When I was finally transfered to someone who half way listened, they told me XXXX would have to tell them the debt didn't exist, before they would remove it from my credit report. XXXX had told me they would call them after doing a deep investigation. It doesn't seem right to be crucified first and then check later. They should have to remove it until they prove there is an existing bill.
Product: Debt collection

USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX  XXXX XXXX Balance : {$5500.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This information was suppose to age off my credit reportr back in XXXX 2014. I have disputed the information as out the XXXX SOL but all my credit report udpated to say was 'account disputed by consumer meets FCRA standards '.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$630.00}. 
XXXX XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Product: Debt collection

CFPB Case No. XXXX LVNV Funding LLC , d/b/a Resurgent Capital Services L.P., in response to your query on my behalf ( re : your case number annotated above ), agreed to " satisfy the account for {$9100.00}, '' as long as I rendered a payment by XXXX XX/XX/XXXX. In compliance, I submitted the first payment in the amount of {$200.00} ( via direct debit - telephonically ), XXXX XX/XX/XXXX. After the initial payment was made, I authorized the collection agency to make recurring automatic deductions from my bank account in the amount of {$150.00}, on the XXXX of each month ( XXXX 's deduction was in the amount of {$160.00} ). The recurring automatic deductions continued without interruption, through and including, XXXX XX/XX/XXXX, bringing the total amount paid to {$4100.00} I made an additional payment of {$1600.00}, XXXX XX/XX/XXXX, bringing the grand total paid to {$5800.00}. 

Based on their documented agreement to satisfy the debt for {$9100.00}, less my total payments equating to {$5800.00}, the remaining balance is {$3300.00}. However, the collection agency continues to erroneously report the outstanding amount as {$7400.00}, on my credit reports, and seemingly intentionally refrained from documenting the scheduled payments on one of my credit reports ( XXXX ). 

Furthermore, every time I telephonically asked the collection agency 's representative why the settlement amount was never documented on my credit reports, nor via any of the " payment received '' e-mail transmittals, I was consistently informed that the settlement amount would only be reflected after the entire amount had been paid. 

I decided to stop making payments based on my belief that they had no intentions of honoring the initial agreement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Experian and Equifax for incorrect items on my credit report, failure to investigate a dispute and unauthorized access to my credit report. This matter constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681o, which holds parties civilly liable for negligent noncompliance with the statute.

According to the FCRA, entities handling consumer credit information must ensure accuracy, fairness, and privacy in reporting. However, I have found that your organization has failed to meet these obligations in the following ways : Failure to correct inaccurate information after notification, failure to conduct a reasonable investigation and improper disclosure of credit information.

This negligence has resulted in harm, including but not limited to financial loss, damage to my creditworthiness, and emotional distress. Pursuant to 15 U.S.C. 1681o, I am entitled to recover actual damages sustained due to this negligence, as well as reasonable attorneys fees if legal action becomes necessary.

To resolve this matter, I request that you : Immediately correct the inaccurate information, delete derogatory marks and hard inquiries, and provide written confirmation of the correction.

Conduct a proper investigation into this matter as required under the FCRA.

Provide a detailed response within 30 days of receipt of this letter, outlining the corrective measures taken.

If this matter is not resolved promptly, I may have no choice but to escalate this issue through legal channels, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights under the FCRA.

I expect a written response within the statutory timeframe. Please send all correspondence regarding this dispute to the address listed above.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed some unauthorized inquiries on my report where someone applied for credit in my name. According to the FCRA, these unverified and authorized accounts must be removed.
Product: Credit reporting

The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance {$1900.00} XXXX  XXXX Balance {$4200.00} XXXX  XXXX XXXX Balance {$2800.00} XXXX XXXX  XXXX Balance {$580.00} XXXX  XXXX Balance {$2000.00} XXXX XXXX  XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$3300.00} XXXX XXXX  XXXX Balance {$2900.00} XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was charged from a merchant I have never done business with unaware of merchant. Reported this transaction to chime back on XXXX was told they would have the outlook of the dispute to provide to me by XXXX I have contacted Chime regarding this matter since they failed to have a update of the transaction on XXXX Chime is failing to provide me with a refund and does not want to provide any information about who made this attempt on my credit card are when I would receive my funds back in my account regarding this dispute for fraud activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER authorized XXXX XXXX XXXX to pull my credit. I am not sure who but I personally did not. 

I authorized XXXX to pull my report but only 1 time. It was pulled twice. Once on XX/XX/XXXX and again on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX XXXX, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX XXXX, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act the following accounts has violated my rights : XXXX. Validate Account XXXX XXXX XXXX  account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please provide information regarding this account, validation of the debt, details regarding the total amount owed, the date of the last activity, original credit if applicable, and any relevant information associated with the debt.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report recently and I noticed that there are incorrect addresses that should be removed. I have tried to resolve this issue with experian before and no results. Here is the case number # XXXX
Product: Money transfer, virtual currency, or money service

Im reaching out because Im concerned about how Zelle handles disputes, particularly in light of the recent CFPB lawsuit that highlights major issues with the platform. Despite using Zelle a few times and reporting discrepancies, both my bank and Zelle have failed to properly investigate my claims. Theyve told me that recovering lost funds isnt possible and that tracking transactions is unfeasible. The CFPBs findings suggest that Zelle has not only failed to protect consumers, but has also allowed repeat offenders to take advantage of the system, leaving users like me exposed to scams. This lack of accountability and transparency is troubling and raises serious concerns about the safety of consumers.