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

XXXX  ; Experian and XXXX  are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. Experian is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting has failed multiple times to provide information regarding a dispute on their credit bureau after stating that have sent the infomation. I do have informed delivery and at no time has any mail be sent or certified mail received. Your blanket responses will not be accepted just so you can close your complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has taken advantage of me solely and personally because they have sent me letters and a numerous postcards stating that I am now approved for credit pre-approved and all and so I would go back on there and fill out another application and which pulled another hard inquiry and I don't know much about credit but I'm knowing a lot about it now but I think it's fully and solely taking advantage of me and it's against me a minute and I I already discussed it with them and they said they would take it off there and they have it all the hard inquiries from them and they leaked out my information anyways I don't even think any of most of them are for me thank you I'm trying to build my credit I'm really trying hard I thought I was approved pre-approved at that when I did fill it out one time that I remember
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, IN XXXX
Product: Debt collection

they called me on the phone at XXXX in the morning I have proof as it was recorded on my cell phone
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX Equifax & XXXX I am writing to formally dispute certain information on my credit report under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have reason to believe that there are inaccuracies that may have resulted from negligence or failure to fulfill the duties required by the credit reporting agency.

Upon reviewing my credit report, I have identified the following issues, which I believe to be the result of incorrect or incomplete reporting : Account Name : National credit systems Account Number : XXXX Disputed Information : fraudulent account and shouldnt show past due balance. & also XXXX removed it off my credit but not Equifax and XXXX. 

According to FCRA Section 1681, consumer reporting agencies have a legal obligation to ensure the accuracy and completeness of the information in their reports. I am asserting that the inaccurate reporting on my credit report has harmed my creditworthiness and is potentially due to negligence, failure to investigate, or inadequate verification of the provided information.

I kindly request that you investigate the accuracy of this information and correct any inaccuracies promptly, as outlined in the FCRA. Additionally, under Section 1681o, I am asserting that I am entitled to damages resulting from any negligence on your part, as this error may have impacted my ability to secure credit or caused undue harm to my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has already been disputed with Cash Central claiming no fault but would delete it from ALL 3 Credit Bureaus., NOT just ONE. XXXX and XXXX still show, but XXXX says closed but it's still affecting my credit.
Product: Checking or savings account

When I opened the account I was new in the Main Land and I opened an account at Wells Fargo. Initially I only wanted to open one account for my daughter which was a Teen account so that when I'm in Hawaii her father can make transfer into her account. Then I was also force to opening another account just for myself even though I only wanted to go there for my daughter 's account. I notice I started getting charge monthly service fee and overdraft fees which I was not informed during the time when I opened the account. I spoke to a representative and I expressed that I wasn't told about the fee and they reverse it. Now it made it complicated for me since my daughter child has my account information not the teen account so it's preventing me from closing the account I didn't want in the first place. I want my overdraft and monthly service fee refunded but they are refusing to reverse it. I want to file a complaint because I shouldn't be charge for something I didn't want in the first placed.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is in Reference to XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX Disputed balance - {$1500.00} reported balance First I wanted to Say My name Is XXXX XXXX, & I am a XXXXXXXX XXXX with XXXXXXXX XXXX On the Date of This account was closed on XX/XX/year>. I wanted to expressly concern that this account is charged off which means anything considered charged off is considered " Income ''. If every Debt is considered income because it's considered a " Securitie '' Per the securities and Exchange commission. Per the " IRS Publication '' it states that all " ALL '' charge-offs are considered income, So how can Income be reported to my Credit Report.

Further more I wanted to express that 15 usc 1666 ( B ) - Timing of payment subsection ( A ) A creditor may not treat a payment on a credit ( CHARGE ) 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 informationis mailed or delivered to the consumer not later than 21 days before the payment due date.. ( XXXXXXXX XXXX ) are listing my payments as late under a open ended consumer credit plan ) - which is also against the law. Which means I have A charge card and you CAN NOT LIST LATE PAYMENTS UNDER AN OPENED ENDED CONSUMER CHARGE CARD CREDIT PLAN, XXXX Bank are also In violation. 
Moving On to the Next Facts states : 15 U.S. Code 1666 ( D ) - " Treatment of credit balances '' - Whenever a credit balance in excess of {$1.00} is created in connection with a " consumer '' credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall A- credit the amount of the credit balance to the consumers account ; B- refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C- make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 


I Consider All of the Raised Concerns about the Amount in Question In this Matter and Looking Forward to resolving this Issue in a timely and Precise Manner. Please Consider This complaint as a Formal dispute under the Provisions of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a Certified letter was created and sent to XXXX Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named Enhanced Recovery for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that XXXX is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to Enhanced Recovery demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from Enhanced Recovery. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from XXXX informing me that the company ( enhanced recovery ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to XXXX and my dispute remains unchanged This is NOT what I requested from either XXXX or Enhanced Recovery. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.
Product: Money transfer, virtual currency, or money service

I received an Albert card in the mail today, XX/XX/2022. I had never heard of them, but here was a card with my name on it. It had a XXXX XXXX logo on it as well. I sent an email to Albert, informing them that this account was fraudulent, included the account number, and asked them to close the account. They wrote back, and asked for the information I had just sent them. So I sent it again. I haven't heard back yet.
Product: Mortgage

Hello, I am writing to formally demand the immediate removal of a lien purportedly held by Select Portfolio Servicing , Inc. on the property at XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. This lien, associated with a loan from my late husband, XXXX XXXX XXXX, bearing Account # XXXX, has come under scrutiny due to significant discrepancies in the provided documentation. 

It has been brought to my attention that the documentation supporting the aforementioned lien lacks substantial proof of validity, casting doubt on its legitimacy. Notably, fraudulent signatures not properly validated by a notary have been identified, alongside a failure to serve the lien affidavit promptly as required by Texas law. 

Furthermore, I must emphasize that Select Portfolio Servicing , Inc. has a documented history of predatory lending and fraudulent practices. This context underscores the critical importance of ensuring the validity and legality of any liens purportedly held by the company. 

Despite repeated attempts, your company has consistently refused communication with the Executor of the Estate, as specified in my late husband 's will. This refusal to engage with the rightful representative of the estate has compounded the distress and inconvenience caused by the unwarranted imposition of this lien. 

I hereby demand that Select Portfolio Servicing, Inc. promptly remove the aforementioned lien from the property title. Failure to do so within a reasonable timeframe will compel me to pursue legal action to enforce the removal of the invalid lien and seek appropriate remedies under the law. 

Given Select Portfolio Servicing, Inc. 's history of predatory lending and fraudulent practices, I reserve the right to pursue claims for damages and fraud under the Texas Deceptive Trade Practices Act ( DTPA ). This includes damages for aggravated identity theft, pain and suffering, harassment, and any other complaints not mentioned in this notice. 

Furthermore, I am deeply concerned by the unauthorized withdrawals totaling over {$29000.00} from my account by your company. This matter will also be addressed as part of the legal proceedings should the lien not be promptly removed. 

I trust that Select Portfolio Servicing, Inc. will take immediate action to address this matter and remove the invalid lien without further delay. Please confirm the lien 's removal and any associated documentation at your earliest convenience. 

Thank you for your prompt attention to this urgent matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX, Owner of XXXX XXXX XXXX XXXX, XXXX, Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, Equifax, and XXXX are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for Equifax XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter back in early XXXX to Acima requesting that they do not furnish any of my information to the Credit Reporting Agencies. They ignored this request and furnished the information anyways. 15 USC 1681 2 ( a ) ( i ) clearly states that any transaction or experience between the consumer and person making the report is to be excluded. This means that they are not to furnish my credit limit, payment history, or remarks. This is the Law and they have clearly violated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S C 1681 section 602 states I have a right to privacy. 15 U.S. C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. C 1666b a creditor can not treat a payment on a credit card account under an open-ended consumer credit plan as late for ANY PURPOSE. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX Experian CRA -Acct # XXXX - Transaction history reporting on consumer report XXXX XX/XX/2019 XXXX XXXX XXXX  Experian CRA Acct # XXXX - Transaction history reporting on consumer report XXXX XXXX BANK Experian CRA Acct # XXXX - Transaction history reporting on consumer report I DEMAND that these accounts be DELETED from my report due to privacy violations along with civil liability for the violation of my privacy.
Product: Mortgage

On XX/XX/2022, XXXX XXXX with Rocket Mortgage sent me a conditional pre-qualification letter stating a FHA 30 Year Fixed rate loan could be used for closing on my next property. Prior to receiving this pre-qualification letter, I had informed her that I was actively looking for a primary residence in the XXXX area and planned to keep my current residence in XXXX, TX as a rental. She sent me the pre-qualification letter knowing my home search was in the XXXX, TX area and my current residence was also in XXXX, TX. On XX/XX/2022, I put an offer in on a home in XXXX, TX ( 11 miles from my current residence in XXXX, TX ) and was accepted. Three weeks into the executed contract timeline, XXXX informed me that they could no longer use FHA funding because my new prospective residence is within 100 miles of my current residence that I planned to keep as a rental. As a result, I needed to use conventional funding. Unfortunately, my debt to income ratio was too high to qualify for a conventional loan so they sent me information about what debts I needed to pay down before I could qualify for conventional. I asked for a fee break down or a loan estimate to understand how much money I need to put towards debts to reduce my debt to income ratio enough to qualify for conventional so XXXX sent me a loan estimate for conventional funding with cash needed to close to reduce my debt to income ratio enough to close with conventional. I began looking at pulling money out of retirement accounts to close on this home. At the beginning of XXXX, I received an email from XXXX stating that Rocket would not fund the home at all. They then backdated a letter to XX/XX/2022 that they would not fund the loan and uploaded it to my account. 

I am filing a formal complaint here for two reasons ( 1 ) the milage requirement for FHA funding should have been discovered and disclosed prior to a pre-qualification being sent out. ( 2 ) The ambiguous conventional loan requirements, misleading loan estimate, and backdated letter of disqualification for a conventional loan was extremely deceptive and should have received clear, accurate, and timely communication. 

As a consumer who was provided bad information multiple times, I am in a very precarious living situation. I am under contract on a home that I am not sure I can purchase, and I have {$2500.00} in earnest money on the line. If I had received correct information from the onset, I would have never put an offer in on this home.
Product: Checking or savings account

I have been an account holder since childhood. 
There is millions in bankshares missing and I can't access my account.
Product: Debt collection

Wakefield and Associates reported to my credit account a {$1400.00} balance for an ambulance ride in Illinois somewhere????!!! I live in CALIFORNIA. I told them it wasnt me and they told me to file a report. This is getting outrageous with all the fraud thats going on in the U.S
Product: Vehicle loan or lease

Company was contacted to remove repossession off credit because the car was sold after repossession and the fees paid out the balance but the repossession was never removed from my credit and it is reporting and inaccurate account balance amount
Product: Credit reporting or other personal consumer reports

. 
Complaint I am writing to formally dispute the followin inaccuracies on my AFFIRM INC # XXXX account, as required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
On [ XX/XX/year> ], I submited a dispute to AFFIRM regarding [ COLLECTION ACCOUNT ]. AFFIRM INC # XXXX was obligated to complete its investigation within 30 days, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ). Howeve, to date of XX/XX/year>, AFFIRM INC # XXXX has failed to respond to my dispute, violating the XXXX timeframes. 
Additionally, AFFIRM INC failure to investigate this dispute has prevented me from exercising my rights under 15 USC 1681i ( 5 ), which requires the deletion of unverifiable information. By not verifying or correcting the disputed information within the 30-day period, AFFIRM INC XXXX XXXX has violatd this provision of the FCRA. 
Due to AFFIRM INC XXXX noncomplianc with the FCRA, I am requesting that the Consumer Financial Protection Bureau XXXX CFPB ) investigate this matter and take appropriate action. AFFIRM INC actions have caused me significant harm and inconvenience, and I expect full restitution for all damages incurred. 15 USC 1681s-2 ( 8 ) e restricted the investigation period for disputing with a creditor to USC 1681i ( A ) 1 a. Which is a 30 day period to complete its investigation. This investigation triggers all aspects of 15 USC 1681i ( 5 ) treatment of unverifieable information that must properly be deleted if the investigation can not be deemed verified within 30 days. 15 USC 1681s-2 ( 8 ) e equals 30 days response to dispute equals 15 USC 1861 i ( A ) 1 a which is equals to 15 USC 1681 s-2 ( 7 ). Im here by requesting in good faith pursuant to Rule 1002 that the Notice was sent, when was the notice sent, what notice was sent and notice the address was sent to regarding the furnishing of this negative information.

I am attaching copies of all relevant documentation, including the dispute letter sent to AFFIRM INC and any correspondence received from them. I request a prompt investigation into this matter and appropriate enforcement action against AFFIRM INC # XXXXXXXX XXXX  Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving customers vulnerable to scams.