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

XXXX Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with Equifax and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX Bank, XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
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 & Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I AM GOING THROW A FRAUDULENT FORECLOSURE PROCEDURES BY THE SERVICING AGENT OF MY LOAN ( DUAL TRACK IN CONSPIRACY WITH THE TRUSTEE OF THE LOAN THEY ARE HIDING THE ACTUAL INFORMATION OF THE LOAN MODIFICATION STATUS AND HARASSING ME OVER THE PHONE WITH FALSE INFORMATION, THEY FILED ON THE XXXX CLERK A FALSE STATEMENT TO FORECLOSE MY HOME, DENIAL OF THE HOME AFFORDABLE PROGRAM WITH OUT LOOKING THE DOCUMENT.
Product: Debt collection

On XX/XX/21 at XXXX I requested to be put on a do not call list and to be no longer contacted. On XX/XX/21 at XXXX I was illegally contacted by the third party creditor XXXX who I previously requested to have my number put on the do not call list. On XX/XX/21 after being contacted XXXX failed to read me my mini miranda warning that is legally supposed to be disclosed to me within the first 90 seconds of right-party conact as a resident of New YorkXXXX XXXX XXXX. The creditor then failed to disclose the company address which is legally required to be given to the valid party when asked/requested, and also refused to give information regarding their supervisors and was told I would not be transferred to talk to one. A supervisor then contacted me on a 3rd phone call 30 minutes later and refused to provide company address, or resolve the issues of the above offences for violating the FAIR DEBT COLLECTION PRACTICES ACT. This is an abusive of state/federal law and Debt Collector Harrasment which has caused me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and Account # 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.
Product: Credit card

CAPITAL ONE MADE A HARD INQUIRE ON MY CREDIT REPORT AND I HAVE NEVER TRYED TO GET ANTHING FROM CAPITAL ONE
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the 3 major credit bureau requesting to have my credit file corrected from all inaccuracy.

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 an account without my written instruction.

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Recovery Solutions is report my account as past due to all 3 credit reporting agencies and this account is already PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion disputing an account that does not belong to me. In the same letter, I asked Transunion to include information about the investigation, including the contact information of the data furnisher of the inaccurate information. 

On XX/XX/XXXX, Transunion sent a response stating they concluded the investigation, and the information was verified as accurate. The letter also said it would include a " Summary '' regarding the steps conducted in the investigation. However, upon reviewing the letter, there is no summary at all. There is no summary of the steps of the investigation. There is no data furnisher. The only proof I received were the words " verified as accurate ''. 

On XX/XX/2019, I submitted a complaint to CFPB about their process ( ID # XXXX ). Transunion responded to my CFPB complaint stating " We received your CFPB and in response have initiated an investigation into the account XXXX XXXX XXXX XXXX. # XXXX. They will verify the accuracy of the item ( s ) and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. '' On their next correspondence dated XX/XX/2019, Transunion re-sends an identical letter as the first one rec 'd XX/XX/XXXX. It simply states " verified '', and their is no information from the company, there is no proof this account exists. I can not verify this account. 

Transunion did not conduct a proper investigation, they are incorrectly reporting this account which does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out over 30 days ago and have not received any response or updates.
Product: Credit card or prepaid card

On XX/XX/XXXX an amount of {$720.00} was charged to my Citi Credit Card. The payment was rejected by the vendor, XXXX and the amount shows as pending on my credit card statement. I did not receive flight information from XXXX and they asked me to contact Citi Bank. Citi Bank still refuses to cancel the charge. 

Please assist. 

Thanks, XXXX XXXX
Product: Student loan

I qualified for loan forgiveness for fraudulent private school loans offered by XXXX University by Genesis Student Lending. I was not notified that loan forgiveness and refunds for payments made was being offered or even of issue ( a pending suit in 2015 ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to address the serious issue of a fraudulent accounts present on my credit report. It has come to my attention that there accounts listed under my name that I have not authorized nor have any association with. This is a significant error on your part, and I insist on its immediate removal from my credit report. I have submitted the required FTC report to the company associated with these accounts and they have already removed this from their records. Furthermore, other credit bureaus also deleted these accounts after receiving the supporting documents, The inclusion of these fraudulent accounts are not only unjust but also severely damaging to my financial reputation. It is entirely unacceptable that such an error exists on my credit report, and I will not tolerate any further negligence on your part. 
XXXX XXXX XXXX XXXX
Product: Debt collection

The GLBA clearly states a credit reporting agency would have to be a part of an affiliated party to National credit systems in order for them to be exempt from providing me with an opt out notice before reporting my non public information. By definition in the GLBA NATIONAL CREDIT SYSTEMS is a financial institution and I am a consumer not a customer of National credit systems. And as a consumer I have a right to privacy. NATIONAL CREDIT SYSTEMS is in violation of the Gramm Leach Bliley Act and never had writtenpermission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( National Credit Systems falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX under the account number ( XXXX ), an auto loan account opened at XXXX under the account number not listed. a personal credit open at XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX. Another personal credit card through XXXX under account number XXXX and another personal card under account number XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

DESPITE MY CONTINUOUS EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Reporting in Equifax 1. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account. 

Reporting in XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear LVNV, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the XXXX XXXX XXXX under Sections 392.301 and 392.305, as well as XXXX XXXX XXXX XXXXXXXX XXXX XXXX which pertains to identity fraud. 

It has come to my attention that LVNV has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the XXXX XXXX XXXX prohibits the reporting of consumer credit information without proper consent. Additionally, Section XXXX provides specific regulations to ensure fair and accurate credit reporting practices. XXXX XXXXXXXX XXXX XXXX XXXX, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for LVNV to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that LVNV immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the XXXX XXXX XXXX ( Sections XXXX and XXXX ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under XXXX XXXXXXXX XXXX XXXX XXXX for identity fraud. 

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring LVNV into compliance with both federal and XXXX  state laws, which protect consumers from unauthorized and damaging credit reporting practices.

This notice is given in good faith with the expectation that LVNV will swiftly correct these violations and respect my rights under the law.
Product: Debt collection

In XXXX me and my spouse sold a XXXX XXXX XXXX we we contacted a year later by XXXX XXXX XXXX XXXX XXXX i faxed them thew XXXX XXXX XXXX paper and they stopped calling last week the week of XX/XX/XXXXto XX/XX/XXXX from a company called lien enforcent, Inc stating we owe XXXX for the vehicle I then contacted them and told them we had sold the vihcle and faxed them the lean paper only to hear back from the same guy who contacted me to say it was not valid and that not to listen to the XXXX he threatens me and my wife and I want this to stop there number is XXXX please help
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified mail to XXXX, Transunion and XXXX, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks
Product: Credit card or prepaid card

I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. 

NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX  distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS XXXX XXXX XXXX DURING A HOME XXXX  BY 4 PEOPLE. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL DOCS AND MONEY. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS
AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE THIS FRAUD INFORMATION FROM MY CREDIT REPORT IN 4 DAYS. 

 FRAUDULENT ACCOUNTS: Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX