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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 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 business 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 these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions What certified documents were reviewed to conclude your investigation? 
Please provide me a complete copy of all the information that was transmitted to the data Furnisher as part of the investigation as required by the FCRA : who did you speak with? What was the date? How long was the conversation? what was their position? What number did call? what is the name of the employee that spoke directly to the creditor? What is the position of your employee that spoke to the creditor? 

According the the fair credit act 15 U.S.C. 1681g ] 609 ( a ) Every consumer reporting agency shall, upon request, subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer accurate information on their consumer report. Section 611 2b ; the consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer. 15 U.S.C. 1681 section. 617 1a states Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. 
I have attached responses I received from the creditors proving that they have no Knowledge of these accounts The address these creditors have for me on file I never lived there XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny This fraudulent reporting has caused me severe financial and emotional distress
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my 3 credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX XXXX : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired On XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my disappointment and frustration with the Zelle app, as I have encountered several issues that have negatively impacted my experience. 

Firstly, I have experienced frequent connectivity problems while trying to make transactions. On multiple occasions, the app has failed to process my payments, leading to delays and confusion. This is particularly concerning, as I rely on Zelle to make timely payments to friends and family. 

Additionally, I have noticed that the app isnt always user-friendly, and through my banking app it has become a problem with fraud I have asked for an investigation but the bank and Zelle have XXXX handled very irresponsibly. They have stated that recovering my lost funds is an impossible task. The CFPB has found out that Zelle has not protected their customers from this issue but letting it continue making us vulnerable to scamming. 

After sending money I can't retrieve the history of what I've sent I am truly disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX , LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs XXXX XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : XXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Debt collection

I noticed a collection account on my credit from Midland Credit Management or Midland Funding. I did n't know what the account was for so I contacted them by way of certified mail 3 times and I never heard back from them until I filed a complaint. 

I am writing to you again because I have not had a account with the original creditor which is XXXX. I am dealing with them directly along with another government agency. 

I am writing you because I need for the harassment to stop. They never contacted me before placing the unknown account of my credit, now that I have filed a complaint against them they are sending me letters. I will take legal action if the harassment continues or if the unknown entry remains or is re-inserted to my credit.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act. Listed account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has wrong information on my XXXX XXXX  XXXX  XXXX  account. They say I owe {$4000.00}, but they have not updated my account in 4 months. 

I contacted XXXX XXXX  today - XX/XX/2024 ; they confirmed that my balance is {$300.00}. 

This incorrect information from Transunion is affecting my credit score negatively.
Product: Debt collection

A dispute was filed with Equifax well over a month ago to investigate debt that is being reported on my credit reports. This debt has been reported on my credit reports inaccurately on top of the fact that Equifax is well over the investigation timeframe for a dispute. Please have Equifax remove the account listed as XXXX XXXX from my profile as the information being reported is completely inaccurate. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX illegally reinserted without given a proper 5 day reinsertion letter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX. XXXX, 2023 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I lost my house in the XXXX XXXX. Bank of America is holding over $ XXXX that I need to rebuild my house in an account. My property is worth well over {$3.00} XXXX. I have contacted Bank of America over a dozen times asking them to release the funds. The have sent out an inspector XXXX times to verify that the house is being built. They refuse to release any money except a small amount that was being held over the mortgage loan balance. My house is now XXXX finished and I need the balance they are holding to finish the house. We were underinsured and we have used the balance that the insurance company gave us all ready. Bank of America is acting in bad faith. At this point they should have released at least {$300.00} XXXX They refuse to release anything. The are too big and powerful. I can not afford to spend the money to hire an attorney. I can not fight this bank on my own. I would greatly appreciate your help in this matter.
Product: Debt collection

Credence Resource Management LLC called me from XXXX ( XXXX ) XXXX on XX/XX/XXXX and the first time I told them I dont owe money ( {$35.00} ) for my phone bill that I just paid. The second and third times they called me I did not answer. The fourth time they called they immediately hung up so called them right back and told them to stop calling me. Then about a week later I got a letter in the mail from the same company stating I am in debt to XXXX XXXX XXXX. I double checked with XXXX XXXX XXXX and they said my account balance was {$0.00}. The call was from Washington, the address for Credence on the letter is in Texas, and the payment address is in Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department ATTACHMENTS 5_CFPB Response XXXX XXXX ( XXXXXXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

XXXX XXXX XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXX Total fraudulent amount : {$2000.00} XXXX XXXX XXXX Total fraudulent amount : {$750.00} XXXX XXXX XXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX Total fraudulent amount : {$650.00} XXXX XXXX XXXX Total fraudulent amount : {$470.00} XXXX XXXX XXXX Total fraudulent amount : {$220.00} Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$10000.00} Date Opened : XX/XX/XXXX
Product: Mortgage

We entered into a refinance agreement with Royal United Mortgage on XX/XX/XXXX. Our Loan Advisor ( XXXX XXXX ID # XXXX ) promised a Cash Out of {$7400.00} one of the conditions requested by us in order to continue negotiation. As of today we have only received {$2300.00} and {$2000.00} for a total of {$4300.00}.

For four or five occasion we had reach out to Mr. XXXX via telephone and message with no luck. 

Last time we spoke with Mr. XXXX ( XX/XX/XXXX ) he indicated that this was a mistake incurred by his company and he will call us back to resolve the situation. 

We would appreciate if you can assist us with his situation. 



XXXX XXXX XXXX XXXX XXXX LOAN NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX
Product: Debt collection

In XXXX of this year XXXX I received a call from XXXX XXXX XXXX about a debt of {$2300.00} from XXXX University. I had graduated XXXX University in XXXX so I was confused to say the least and they told me I had an account balance of {$2300.00}. I explained to them that my employer paid XXXX University directly and there had never been an issue in the years I attended. I was then placed on hold and when the person returned, I was told they see the mistake and it has been taken care of and that if anything further were needed from me, they would contact me. I never heard back from them, so I believed it had been corrected. Then last week XX/XX/XXXX I received a credit alert that a collection was placed on my account from XXXX XXXX  XXXX for {$2300.00} I have disputed this debt, but it has caused a major impact on my credit score. Three years after I graduated this appears out of the blue, this is not my debt, and when I spoke with the representative from XXXX XXXX XXXX it was acknowledged and I was told it was being corrected.
Product: Credit card or prepaid card

I submitted a claim to Chase through Card Benefits Service regarding the purchase protection provided by the Chase Amazon Credit Card. 
I lost most of my possessions in a house fire. 
I submitted a claim through my renter 's insurance but due to my policy limit only some items were covered. 
I then submitted a claim for additional items totaling about {$1800.00} NOT COVERED BY MY RENTERS INSURANCE PAYOUT through the purchase protection. 
After spending hours sifting through and uploading statements and receipts, they denied my claim to the extent that the coverage was " secondary '' to renters insurance. They tried to pay me {$250.00} for my deductible. ( They mailed a check to the house that burned down ). 
The items I submitted claims for were NOT COVERED by my renter 's insurance and therefore should qualify for reimbursement under the secondary insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

on Saturday XX/XX/XXXX I checked my credit score on XXXX XXXX in the morning and it was XXXX, the same day in the afternoon my score drooped 57 with no reason
Product: Credit reporting or other personal consumer reports

The credit bureaus have failed to follow the FCRA laws as defined under XXXX XXXX. XXXX ( XXXX ), or XXXX XXXX, as defined under XXXX XXXX. XXXX ( XXXX ), per the qualifications for blocking adverse credit information according to XXXX C.F.R. XXXX ( see attached rule ). Because of their actions not taking place in the allotted amount of time, I am suffering. Please investigate these bureaus. They acknowledge receiving the complaints but fail to block the information without any reasonable cause. They had XXXX business days to request any additional information and they have not complied. The date stamped on my previous CFPB complaint indicated they acknowledged receipt of my complaint on XX/XX/year>. Today is XX/XX/year> and they have not responded which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.
Product: Mortgage

Home Community Mortgage underwriter is requesting that I provide a letter of explanation, signed and dated, regarding the sale of a 2014 XXXX that I owned. I was not selling the vehicle to provide funds to close -- not for principal, not for closing closts. The lender was also requesting that I provide proof of ownership, the valuation from the third party, and the proof of transfer of ownership. I no longer had any of that, and it does n't matter, because it is not material fact germane to the mortgage. I already have all the required funds for principal and closing costs in escrow when I sold my XXXX! There is no reason at all why they should be asking about it.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seeking prompt federal resolution for unapproved addresses and credit accounts. 

My credit report shows accounts I didnt authorize, violating the Fair Credit Reporting Act ( FCRA ) and harming my finances. Despite contacting XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX, unauthorized accounts from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I request the CFPB along with the use of the Federal Trade Commission ( FTC ) to enforce my rights under federal guidelines, ensuring these accounts are removed immediately to protect my financial health. 

Urgent federal intervention is needed to uphold my consumer rights by deleting these addresses and accounts swiftly.
Product: Mortgage

Our second mortgage was discharged in a bankruptcy and the company Shellpoint Mortgage Serving also " wrote off '' the debt. We are requesting a letter from them stating this has been discharged so are insurance company does not require checks to be sent to them as they have cashed it and left us without funds.