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

I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, TRANSUNION and XXXX are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to XXXX. 

XXXX XXXX - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, TRANSUNION reports 2 charge-off dates of XX/XX/year> and XX/XX/year> and XXXX has a charge-off date of XX/XX/year>. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and TRANSUNION and XXXX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit XXXX Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit , Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I Am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times & reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible & that tracking these transactions was unfeasible. The CFPBS findings indicate that zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability & transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. Capital One is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.
Product: Credit card or prepaid card

I am a member of First Tech credit union. I have a consumer credit card with them. 
I did a recent cash advance transaction. I wanted to know how the interest is calculated. They told my interest rates are increased. 

Last statement I received from them was on XX/XX/2022. In the statement i got on XX/XX/2022 the interest rates ( XXXX ) for purchases will be 9.750 % and then for cash advance XXXX will be 10.750 % Today, First Tech representative told that my interest rate is 11.750 % XXXX for purchases and 12.750 % for cash advance. 

I wasn't notified of the rate increase per the law XXXX Reevaluation of rate increases. 
On those grounds, shall I dispute the rate increase without formal notification? 

The representative told that the rates would be published in the statements. Since I didnt get statements for XXXX, XXXX, XXXX, XXXX of the year XXXX The institution didnt make any effort to notify the change in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is sent in response to the bill you sent me, in response to my debt validation letter. The bill was not proper validation of the debt and will not suffice. Therefore, I am requesting that you provide me with actual verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, name, address and telephone number of the state agency issuing the license. If you are contact. me from outside my state, provide the licensing information from your state as well. 

I need more details about what you claim I owe so that I can make an informed decision. 

Thank you for your time,
Product: Mortgage

On XX/XX/XXXX, my wife and I were informed that a lien was put on our home due to unpaid property taxes in XXXX. After investigation, it appeared that our mortgage handler, PRMI, was responsible for this. We purchased our home in XXXX, our escrow account was up to date, and we'd never missed a payment. PRMI confirmed that we'd never been delinquent, but were unresponsive to all inquiries about the lien. Since the lien needed to be paid off by XX/XX/XXXX, we had no choice but to pay the lien off ourselves on XX/XX/XXXX to avoid the risk of losing our home. PRMI have still yet to respond to reimbursement inquiries. We still don't know where our escrow account was allocated in XXXX, since it wasn't used to pay property taxes. The notice and receipts are attached. 

Additionally, my city 's tax bureau has yet to update our file even though they confirmed receipt of our payment. We still receive mail that our house is being reclaimed. This is not on PRMI, but the fact that this issue they created is still ongoing has caused immense stress for my wife and I over the past year.
Product: Credit card

Discover Card has acknowledged that accounts ending in XXXX and XXXX were closed due to identity theft XXXX FRAUD XXXX, but had continue to charge me for XXXX purchases XXXX ( {$600.00}, {$1400.00}, {$3800.00} XXXX. Although I told them these were non receipt items, they insisted it was fraud and treated it with the Fraud Department. It should have remained in disputes. Regardless, the disputes exceeded the allowance of 45 days which then should become permanent. However you will see it took them several months with the investigation and there was no correspondence between the initial credit until they decided ( WITHOUT PROVIDING EVIDENCE ) that these transactions were valid.
Product: Debt collection

I contacted Avant Financial on XX/XX/2017 and ask for a pay off of my loan, they gave me a pay off of XXXX if paid in full before XX/XX/XXXX. 

On XX/XX/XXXX I mail a cashier check in the full amount, they credit my account on XX/XX/XXXX. and still debit my account on XX/XX/XXXX. I notice the transaction and contacted Avant and spoken to the Supervisor name XXXX on XX/XX/2017. and explain the situation and ask them to refund my funds, they said they have to conduct an investigation which will take about 10 days. I demanded my refund immediately. They will not send my funds for two weeks, which put my account in a negative status. I paid this account in full as stated by them. I have documents from them giving me the full pay off. They made an unauthorized debit from my account.
Product: Mortgage

I have not been receiving any monthly statements ( or periodic statements ) From Bank of America, N.A., since the new federal rule, which went into effect on XXXX XXXX, 2014, requires monthly statements be sent out to homeowners. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute Regarding Civil Liability for Negligence and Non-Compliance I am writing to formally dispute the claims of civil liability for negligence and non-compliance as outlined in [ specific document/reference number ] dated [ date of the document ]. I believe that the allegations made against me are unfounded and do not accurately reflect the circumstances of the situation. 

Under Section 1681, it is imperative to establish that negligence was present, which requires clear evidence of a failure to exercise reasonable care. In this case, I assert that Ive disputed multiple errors on my credit report for investigation, this company failed to complete a thorough investigation and fix the errors. 

I request a thorough review of this dispute and a reconsideration of the claims made. I am willing to provide any additional documentation or evidence needed to support my position. Please respond to this letter by [ insert a reasonable deadline, e.g., XXXX  days from the date of this letter ], so we may resolve this matter amicably. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2023 I paid Stenger & Stenger ( case number XXXX ) in full. I have requested several times ( last call XX/XX/2023 ) that Stenger & Stenger notify the court that this judgement has been satisfied. As of today 's date I have not received a satisfaction of judgement letter from the court. Spoke with XXXX today, she offered to send a XXXX balance letter to me, I declined. I requested a " satisfaction of judgment '' letter be sent to the court asap!! It appears this judgement was filed in XXXX XXXX Georgia and XXXX XXXX Georgia court, I requested the letter be sent to both courts. XXXX said she would file another complaint today to get this take care of.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and I had unauthorized inquiries that I did not approve or had any knowledge of and it has hindered my credit badlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which were made without permissible purpose, and in validation of my rights as a consumer, these inquiries have adversely impacted my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Full name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaning my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the XXXX XXXX Transfer Act ( XXXX ). These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company with which I have never transacted has fraudulently posted a collection report on Experian. I have disputed the results. It is completely impossible that this has anything to do with me. On what basis are you posting this to my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XXXX XXXX XXXX NORDSTROM/TD BANK USA / XXXX XXXX
Product: Consumer Loan

I am being harassed by a 3rd party company named XXXX about my charged off car loan with XXXX XXXX XXXX. The people calling me from this company are calling themselves investigators. They have called my mom dad brother grandparents and friends all on the same day as calling me. They leave my family members voicemails, that say they are investigating me and need a call back. My family thinks that I have the police department looking for me. Today i spoke with Investigator XXXX XXXX, I did not provide her with any of my information and she disclosed my date of birth, the vehicle information from the loan and was very intimidating and harassing. I asked her to cease and decist and she said no. I asked her to stop calling my number and she said no. I gave her my phone number and said please dont call me i feel harassed and she said I am not harassing you and was very threatening to me about not giving her my information. I said stop calling and hung up. She called me right back again, I again said please dont call and I feel harassed and she said no. I finally got a manager on the phone. he said yes they are regulated by FDCPA but that they will not stop calling. He said I didnt give him my information so he doesnt have an account to document to stop calling. I told him that XXXX who just transfered me to him had my account as she had disclosed all of my personal information to me and he said he didnt know what i was talking about. I gave him my number and asked him not to call and he said he cant do that. I called this company back thinking i was calling a police department because i was under investigation for some reason. I am in the middle of settlement discussions with the original creditor XXXX, and I cant try to come up with money from family and friends to settle this loan, if they think the police are coming after me for something with them calling everyone telling people I am under investigation. Giving family and friends my account number to call back with. Anyone who called back with that account number would have been given my social, my date of birth, my loan information. Is this company miss using my personal information. Do i now have to worry about identity theft? I have major concerns and I am afraid this company will actually come to my home to talk to me in person, or threaten me. XXXX has also text messaged me and my family and friends all at the same time about this. Giving an account number out to everyone for this. My family asking me if everything was ok. I can not continue to be harassed about this.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid the entire balance ( {$0.00} balance ) on my store card from Comenity Bank and didn't use the card again until XX/XX/XXXX when I became aware of the following charges to my account ( outlined below ). I immediately paid the balance and told the representative that I was completely unaware of these transactions. If I would have known, I would have taken care of the initial fee of {$2.00} that has snowballed over 3 months to {$30.00} and also resulted in a late payment notice to my credit report causing my credit to drop by XXXX points. 

I have not had a late payment booked to my credit report in XXXX years. I work hard to ensure all my bills are paid on time to maintain a good credit rating. This series of events has caused severe damage to my credit report which is really unwarranted because I would have immediately paid the {$2.00} if the company had sent me an email, text, or called to let me know they booked a fee to my account. I didn't become aware of the charges until I tried to use my account again in XXXX and it was declined. So I called the company and the customer service rep made me aware of a {$30.00} balance which I paid the same day. 

Below is an outline of how the {$30.00} accrued to my account over the course of 3 months. Again, I was completely unaware because the company didn't notify me and I wasn't checking my account online because I wasn't using the card. 

XX/XX/XXXX - I paid my account balance to {$0.00}. 
XX/XX/XXXX - Min interest fee of {$2.00} was charged to my account then ; XX/XX/XXXX - Late fee of {$2.00} XX/XX/XXXX - Min interest fee {$2.00} XX/XX/XXXX - Late fee of {$6.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - Late fee of {$14.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - I paid the account balance to {$0.00} I'm fine to settle the debt with them but I dispute the late notice being posted to my credit report because I was never aware of the balance. CFPB please help me to get this delinquency removed from my credit report and return my credit score to a normal well-earned level. 

Many advance thanks for your time and attention to this matter. I appreciate your help so much. 

XXXX XXXX XXXX