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

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, F.C.R.A. violation. 

XXXX XXXX  A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit card or prepaid card

I was paid {$95.00} from a customer they put the payment on hold. He called in asking why they because my account was new. So they informed him to tell me to refund the money and he would get his money back immediately so we did that and they put that on hold also after the representative told us it wouldnt be a hold. Because of that he sent another payment which they also put on hold. We called complaining so they released 1 of the payments to me. So there was still the other XXXX on hold. My customers called in needing his XXXX back that was on hold. They took almost about 2 months to refund him but when they refunded him but instead of them taking the XXXX they had on hold from his credit card they tried taking it as an echeck from my XXXX  which I didnt give them permission to do. They couldnt get it from XXXX  because I had nothing in the bank they have negatived my PayPal account and now is threatening to report it to collections when they have the {$95.00}
Product: Checking or savings account

I received a letter from JP Morgan Chase Bank dated XXXX XXXX. The letter stated that my checking ending in XXXX, and savings ending in XXXX were to be closed in XXXX  days of the date of the letter. Today is XX/XX/XXXX, I opened the letter on XXXX XXXX, and contacted Chase today. I called to see if they could prolong my closure, as i receive XXXX insurance direct deposit around the XXXX of each month. I asked the Chase representative, and she placed me on hold to inquire. Prior, to me calling in i had full access of my account. While waiting for the representatives return, i receive a text alert that my Chase account has been locked. She gets back on the phone, and tells me they can not prolong the closure to XXXX XXXX fine! I ask her " why is my account restricted? '' She then tells me its due to the letter i received. I tell her " the letter states XXXX  days, and even gives me steps on how to get my affairs in order, prior to that XXXX day. So, why is my account restricted? '' She says the " system '' placed the hold and can not remove it. Which i know is false, someone in back-office placed the hold. I have been in financial services/banking for over XXXX  years, and have worked in fraud/claims department for XXXX of those years, that is not factual. After, i state this the phone disconnects. I callback and ask to speak with back-office, i am placed on hold then dead air occurs, and i am hung up on again. I am not understanding why i received this letter outlining that i have XXXX  days to cancel auto-debits, contact merchants, transfer account balances etc, if i do not actually have XXXX days. I can not do anything with my account at the moment. I called Chase to see if they could provide an exception and all they did was make my life messy. I have rent due, a direct deposit scheduled for XX/XX/XXXX, and XXXX for XX/XX/XXXX, that i do not have access too. Not only that but i deposited a XXXX check in my savings account XXXX days ago, that i no longer have access too. This makes no sense, my account is being closed due to excessive disputes, but i received a letter that my dispute was paid and found in my favor. I have banked with Chase for years, and have a credit card through them. If XXXXase wants to terminate business with me fine, but this letter is not concise with Chase 's actions. Chase needs to rectify this and allow me to transfer my funds out, this is such an inconvenience telling me to visit a branch. I do not drive ( hence my XXXX ).
Product: Credit reporting or other personal consumer reports

Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/2017, not XX/XX/2017. 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX Dismissed Dismissed XX/XX/2017 XX/XX/2017 XXXX XXXX XX/XX/2017 XX/XX/2017 Thank you in advance for your assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally request the removal of several unauthorized accounts and inquiries from my credit report due to a recent data breach affecting my personal information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted from my credit report. Below, I have provided details on each account and inquiry that requires immediate action. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX  - Account # XXXX - Opened : XXXX - Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$86.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$20000.00} XXXX. XXXX - Account # XXXX - Opened : XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$420.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XXXX - Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX - Opened : XXXX - Balance : {$740.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX  - XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX Date : 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
Product: Debt collection

I spoke to a debt collector name XXXX from Jefferson Capital Systems llc in XX/XX/2020. I got a letter stating I owe a debt and I called the company and XXXX illegally lied and said he is an attorney and threatened me with a lawsuit and told me I had to pay 25 % out of my paycheck. I told XXXX that he is illegally impersonating as a fake attorney. He proceeded to argue with me and the conversation we had escalated. XXXX forced me to give him my personal information and he refused after I told him I dont feel comfortable giving my personal information over the phone. I called back the company the following day and they refused to take care of the situation. XXXX also told me that I shouldve paid my debt instead of spending all my money. XXXX also refused to tell me his last name when I asked him. 

Jefferson Capital Systems llc removed the debt collection off my credit report and are still garnishing my wages.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.
Product: Checking or savings account

Ally Bank restricted access to my mobile app and online baking starting on XX/XX/year>, with no reason given. I called, and they put in a tech-support ticket and told me it would take three business days. They did not know why this had happened. Today, on XX/XX/XXXX, I tried to set up a XXXX PIN because I can not see any transactions or make any transfers. The Telebank PIN would allow me to hear transactions at least and get my account balance. This also failed because the IVR did not recognize my Social Security number when I tried to verify myself over the phone. Now, I have to call and speak to someone in customer service to get information regarding my account balance. This feels like a violation of my privacy, and I would like this to be resolved.
Product: Checking or savings account

Wells Fargo Close Mi account for a frozen charge 3 years ago and also was overdraft free errors in mi account when I was banking whit them I woul like to open mi account back again but I dont how
Product: Credit reporting or other personal consumer reports

XXXX has been false reporting my credit for the last XXXX -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( denied ), XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX listing a collateral of XXXX XXXX " XXXX XXXX '' my car was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XX/XX/XXXX, XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XXXX, XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX at a XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX {$31000.00} XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Score XXXX, XXXX XXXX XXXX XXXX score XXXX on XX/XX/XXXX XXXX XXXX XXXX  # XXXX on XX/XX/XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately
Product: Credit reporting or other personal consumer reports

AS A RESULT FROM XXXX XXXX FROM XXXX XXXX. XXXX XXXX XXXXXXXX IS REPORTING 3 ACCOUNTS ACCROSS ALL THEREE CREDIT BUREAS. I SENT THEM THE FRAUD AFFIDAVIT. ON THE LATEST UPDATE THEY REPORTED ON THESE ACCOUNTS ACCROSS ALL THREE CREDIT REPORTS THAT MY LAST PAYMENT WAS ON XX/XX/2024. I NEVER MADE A PAYMENT ON THESE ACCOUNTS NOT MINES. WHICH THEY ARE DOING ON PURPOSE TO LOWER MY CREDIT SCORES. I HAVE NEVER PAID ON THESE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX XXXX for inaccurately reporting a late payment for XX/XX/year> on my credit report, which violates the CARES Act and the Fair Credit Reporting Act ( FCRA ).

This inaccurate reporting has harmed my credit score, financial standing, and opportunities to secure credit. I have previously disputed this matter with Experian but have not received a satisfactory resolution.

Details of the Complaint : Violation of the CARES Act ( Section 4021 ) : During the COVID-19 pandemic, I was under financial hardship and was placed on a relief/forbearance plan in accordance with the CARES Act.

The CARES Act prohibits creditors from reporting late payments for accounts placed under forbearance or deferment plans. 
XXXX  XXXX XXXX failed to comply with this provision by reporting my account as late for XX/XX/year>. 
Inconsistency Between Credit Bureaus : The late payment is only reported by Experian. Both XXXX and XXXX show my account as current, which highlights the inaccuracy and lack of verification by Experian.

Violations of the FCRA : 15 U.S.C. 1681e ( b ) : Experian failed to ensure the accuracy of my credit report by accepting and reporting false information.

15 U.S.C. 1681i ( a ) : I formally disputed this error with Experian, and they failed to investigate and correct the inaccurate information within the legally required 30-day timeframe.

Impact on My Credit : This inaccurate reporting has caused a significant drop in my credit score, negatively affecting my ability to secure credit opportunities and financial stability during a challenging time.
Product: Debt collection

Convergent Outsourcing has infringed upon my right to privacy as a consumer and violated all the following sections of USC 1692 : 1. USC 1692b. ( 2 ) 2. USC 1692b. ( 5 ) 3.USC 1692c ( 1 ) 4. USC 1692d. ( 1 ) I am Invoking my specified remedy as a consumer. I am demanding that this account be removed from all 3 of my consumer reports, and I am demanding compensation for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my XXXX dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet is still being reported. They have responded both times within XXXX  days but failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXXr or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes Experian has been denying my identity for 24 years I have been denied employment, housing, creditcards, i have had it hard allways trying to pay with cash because they has allways denied my identity as of today my unemployment is on hold because of my identity and its 2 days before XXXX and my XXXX don't have anything my money is jus sitting there.experian allowed me to make an account with them I use my ss number and it went thru but on my file it doesn't exist they have a different number my real number is no where on the account I call them Monday explan my case I was direted to the dispute department and was told it will e fix in 24-48 hours but it was fix in 30 min I ask can I speak to a superviser because who can make a mistake like this and I was denied no apology or anything.
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 were impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle 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: Mortgage

In XXXX XXXX, my home was destroyed by water. The insurance company paid over {$20000.00} to myself and Freedom mortgage. I have been trying to get them to release the second portion of the money and they have come up with every excuse for over 2 months. The home is not habitable and now the bathrooms are torn out. There is no floors, walls or ceilings, no plumbing, no hot water and the contractor has left the job until they release more money. They have the money since XXXX, gaining interest and not releasing any more than {$9200.00}. I had to put in {$800.00} myself so he would start. He already put out {$3000.00} of his money just to keep going, but now took on another job because, they first wanted an inspector to see his work. The inspector they chose was on the XXXX XXXX and did it remotely by having the contractor sending pictures. They said they wanted pictures of the house set up with furniture which was impossible with no floors and walls. Meanwhile I am living as a XXXX  for 11 months with no permanent place to go. The insurance company says they will not reimburse for housing and meals any longer and the contractor can't finish and get a CO for me to move back. I can't even refinance to get money to finish the job out of my own pocket. I am on Social Security XXXX and am struggling every month to pay the mortgage and my living expenses. It is 11 months and I have had it. Now they want a materials list from the contractor. He sent them one. They rejected it because it was not typed. Then the wanted it from a dealer. The contractor has been gracious to try to supply it. This is just a delay tactic, meanwhile my home is still a disaster and getting worse every day. This is more than I can take. I am turning to you for help. They have the money and are just gaining interest on it without releasing it. The insurance would only pay {$30000.00} of the {$68000.00} of damage. I will have to obtain a home Equity loan for the balance, but no company will take on this property being in such terrible condition. If they release the rest of the money, the contractor says he can get it into a condition where they will refinance it. I can't believe I have to fight for money they are holding in escrow gaining interest and I have to be miserable for over a year living in a temporary place. Please give me options to get this done. I will be dead before I will be able to go home. I worked for over 50 years to retire and enjoy what I have left, and Freedom Mortgage is just keeping my money. I spend no less than 4 hours a week trying to get them to release the money. I have spoken with every supervisor in loss draft and get nowhere. They say we are still waiting. So am I. They received all that they requested, and I am still on hold. I will have to wait until the contactor can fit me in again to finish. If you think I need an attorney to get this done, please let me know and I will also sue them for his fees. I am on Social Security and can't afford to pay anything because what I have, I use to survive. I need some guidance. Another XXXX stuck in a room without a place to live. Thank you.
Product: Debt collection

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, XXXXXXXX XXXX XXXX XXXX, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXXXXXX XXXX XXXXXXXX with a full-time job has added the role of a XXXX XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.