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

XXXX XXXX XXXX CREDIT BUREAU ; Every month I question the validity of this account. There is no way that this account was indeed verified- it's unverifiable and incomplete. Again, Im not sure who to take this to anymore, but I have disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and lack a thorough and in-depth investigation. Ive disputed and I have not received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. I'm extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable information. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Mortgage

I have a complaint about the customer service I received from pennymac and the processing the underwriter use to approve a loan. This started on XX/XX/22 I received a call from pennymac and this wasnt the first time called to say there going to help lower the payment. So I speak with the agent give me all this great information on lowing payment and I wasnt sure if I should trying knowing I have credit card I want to pay down so I was thinking it could be great to take cash from my home to pay on my bills and fix my home up more so I started the application with the agent and they run my credit he stated your card balance of high but I think there something we can do I pay to get appraisal of the home that was looking good and give all my income information and they first gave me options to do to help income debt then I advise hey Im co borrower on a auto and they make payment send that to then I was so hopeful I can pay my debt fix up my home for me and my family and they then state cant remove we need 12 months of payment and that 4 months away and I ask the agent to please help he advise Ill call you back and a weekend and 2 days later I had to call them so now because Im four months of and I dont have assets I can get approve this made me feel so defeated like how your trying to help me but do everything to try not to approve me I havent cried so hard in my life they need to stop building people hopes up just to destroy them
Product: Debt collection

The collection agency IQ Data repeatedly called me and hung up every time I answered the phone. They have reported to the credit reporting and attempted to collect on amounts not owed. IQ Data has never provided me with any written information regarding this account and did not provide me with notification of the right to dispute this reported account. I have attempted to resolve this falsely reported account with IQ Data who has not responded to my request. All of the reported information is incorrect and has devastated my good credit rating. There are multiple lawsuits against IQ Data for these same exact practices.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

On  X/XX/17 , I ente red into an agreement with  Professional Finance Corporation att orneys in court to pay a debt in the amount of {$550.00} ( {$410.00} principle, {$55.00} interest and {$130.00} in court costs  ).  This agreement was approved by the presiding judge and agreement signed in court. This amount was paid in full through bank account deductions of {$100.00} eve ry two wee ks. On  XXXX   XXXX , I received a letter from the attorney that I had worked with on this stating the payment was made in full. The issue is that they did not stop taking out funds, but continued taking money out of my bank account after the full amount of {$550.00} was satisfied, and as of today they have taken a total of {$700.00} from my bank account, which is {$140.00} more than the court ordered amount, and this would appear to be illegal in nature.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint related to the ongoing issues with fraud on the Zelle payment platform, and in particular, the lawsuit recently filed by the CFPB against XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for allowing fraudulent activities to persist on Zelle. 

As a consumer who has experienced fraud on the Zelle platform, I am deeply concerned by the allegations outlined in the CFPB 's lawsuit. It is clear that these financial institutions failed to implement adequate fraud prevention measures, leaving customers like myself vulnerable to financial harm. Despite numerous reports of fraudulent transactions and my own experiences with fraudulent charges through Zelle, these banks have not taken sufficient steps to protect consumers or to resolve disputes in a timely or effective manner. 

The lack of transparency, accountability, and the slow response times from these institutions in addressing fraud have led to significant inconvenience, financial loss, and emotional distress. Furthermore, the current state of consumer protections within the Zelle platform, particularly when dealing with fraud, appears to violate basic consumer protection laws. 

I respectfully request that the CFPB continue to pursue strong actions to ensure that financial institutions are held accountable for allowing fraud to proliferate on platforms like Zelle and to strengthen protections for consumers moving forward. I am seeking appropriate redress for the harm I have experienced and urge the CFPB to address the ongoing issues with Zelle and the financial institutions involved. 

Thank you for your attention to this serious matter. I look forward to hearing about the progress of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was approached by a family member about lending them some money through XXXX on Chase, When i went to my bank it had already been sent from my account to a " manny '' with an account linked by the phone number XXXX XXXX XXXX XXXX, They sent themselves 2 payments, one of {$350.00} and another for {$500.00} I contacted my family member right away and they confirmed that someone had assumed their identity. 
upon doing a reverse number search, that number comes back to a XXXX XXXX XXXX XXXX ) XXXX, the reverse search states he is XXXX XXXXears old Born XX/XX/1992, https : XXXX this XXXX  account is linked to the reverse search which confirms the name, the location, the birth date XXXX XXXX XXXX Making him 28 as the phone number search states XXXX. 
His zelle and bank are linked through this phone number XXXX XXXX XXXX XXXX and all this should point to the information i have provided, that this is in fact XXXX XXXX XXXX that scammed my bank account. 

I hope you can work with Chase to help me figure this out. 

I have given all this information to XXXX via a fraud claim, I have a fraud claim with XXXX XXXX XXXX which they have stated they will probably not help me ), and 2 cases filed with the FBI, I have also contacted the phone number and spoke with " XXXX '' since his number is linked to the account he used to scam me, he refused to return the money. I will be filing a police report today.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent investigation request on XX/XX/21 was not notified of investigation results. Account are not mines.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

My father, XXXX XXXX XXXX, opened a savings account online with SunTrust located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, P : XXXX. He did not submit a signature card to complete his application at SunTrust. 

My father is now XXXX as of XX/XX/XXXX and had no will nor assigned a beneficiary for his savings account or other assets. In agreement with my family then applied and received a Letter of Administration from XXXX County Probate Court to manage his estate. 
XX/XX/XXXX I brought my certified Letter of Administration paperwork in addition to my fathers certified XXXX XXXX to the XXXX XXXX XXXX XXXX Branch and spoke with XXXX XXXX, the SunTrust Teller on XX/XX/XXXX at approximately XXXX. 
XXXX XXXX took my paperwork and advised me that since my father did not submit a signature card, she will fax my documents to the legal department for review. 
I advised her that I lived in New York and could she please communicate with the legal department to inquire if I needed to complete anything else before I left the state. She refused and said that I would have to wait to hear back from the legal department and she had no idea of when that would be. 
I then called the SunTrust Customer Service Line and advocated my position. The representative asked to speak with XXXX and resulted in no further information on turnaround time or additional documentation that may be requested. 
XX/XX/XXXX I called the SunTrust customer service line to inquire about the status of the account and I was advised to contact XXXX at the branch. 
The customer service representative called for me as a courtesy and advised me that XXXX was not in. The representative went on to say that I needed to call the local branch repeatedly and bypass the option to leave a message with the manager until I got through to the branch. 
XX/XX/XXXX On Thursday, XX/XX/XXXX, after calling repeatedly for an hour, I got through to XXXX who advised me that she hadnt heard back from the legal department. I asked her to call them and advise me and she said that she would and return my call by days end, so I gave her my cell number. XXXX still has not called me with an update.
Product: Credit card

I am a victim of Identity theft and someone stole my personal information and identity to open a Capital One Bank credit card ending in: XXXX. I never applied for a Capital One Bank credit card. The account that was opened with my stolen identity is unauthorized, fraudulent and do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By this message I would like to ask you to recheck the information in my profile. I figured out the accounts that I do not recognize. I would like to clarify unknown accounts that appeared in my credit report. I think I am a victim of Identity theft so please check it and remove the accounts from my profile. Also please check my personal information as I believe somebody used my information. 

Thank you for understanding Looking forward for changes
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led 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 auto loan account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as fraudulent collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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

I obtained copies of all XXXX of my credit reports from XXXX XXXX, XXXX XXXX, and Equifax XXXX on XXXX. 

I noticed multiple inconsistencies regarding the account XXXX XXXX XXXX  which was an old credit card I had a while ago. Account info as follows per agency reporting ( all of which, to start with, are inconsistent in name and truncation of acct # 's ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  XXXX XXXX On all 3 credit reporting agencies ' listings, the following inconsistencies ( ie inaccuracies ) were found : 1- Terms 2- Date of last payment / date of last activity 3- Recent Payment 4- Highest Balance All 3 agencies are not compliant with FCRA 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also,15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

********* Please delete this account from my credit report at your agency due to the multiple inaccuracies and inconsistencies across ALL 3 AGENCIES. This account was disputed multiple times to amend the many inaccuracies and inconsistencies, and all 3 agencies failed to correct on each occasion. Violations of FCRA as well as NJFCRA. ************** U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

Due to the CARES Act. I'm unable to pay down the principal balance of my student loans until the accrued interest has been repaid. Prior to the CARES Act, each payment was split between interest and principal. The onl y way to mitigate this is to release the CARES act benefits from my ac count ( administrative forbearence and 0 % interest until XXXX  ). No other loan allows the lending party to dictate payment term s after the agreement has been set while the account is in good standing. This was a cash grab by Nelnet and other student loan servicers to get their profit before a consumer gains any reward.
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. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This was taken care of send it last year in XXXX it was taking off before XXXX this year due to selling my personal information identity on the XXXXXXXX XXXX which is XXXX XXXX  my account was closed by sprint in XXXX due having over charges and settled but its not a new account from XX/XX/XXXX and its theft and fraud its been taken off by government its the law so im gon na sue them for fraud account charges and information
Product: Debt collection

I received a text message from Zion Debt Collections on XX/XX/XXXX without any prior communication or authorization to contact via text message. I have included screenshots of the communications as they do not include the required disclosures and no written notice was sent or received in the required notification period. I reached out via their website to request verification of the debt on XX/XX/XXXX and advised that I disputed the debt and requested the following list of documents. 
1. Verification of the Debt : a detailed breakdown of the amount owed, including the principal sum, any fees, interest, and other related charges.

2. Original Credit Agreement 3. Billing Statements : All billing statements or invoices that document the progression of the debt from its origination to its current status. 
4. Payment History : A complete record of all payments made towards the debt, including dates and amounts.

5. Assignment or Transfer Documents : documentation that verifies the legal right to collect the debt.

6. License Information : License number showing they are licensed to collect debt in my state. 
The agency acknowledge the website request on XX/XX/XXXX. XXXX XXXX, rep for Zion Debt Holdings responded via email on XX/XX/XXXX but did not provide all of the requested documents. I advised the agency that I closed the my account with XXXX XXXX XXXX when I sold my home in XX/XX/XXXX and that during closing I spoke with a XXXX customer service rep ( XXXXCa n't remember his last name ) who assured me the account was closed and the system would be transferred to the new property owners. The verification statement that was provided shows a balance of {$950.00} while the payment history provided shows {$360.00} as the past due balance. In addition to this the contract with XXXX provided was amended in XXXX of XXXX to remove XXXX XXXX from the contract as recognized by XXXX XXXX XXXX XXXX. The agency failed to provide copies of the respective billing statements or any agency license information for verification. I followed-up via email and advised of the discrepancies and repeated that I dispute the debt. The agency reported the debt to the credit bureau 's without adequately validating the information and providing appropriate notice. I have attached the all correspondence received for reference. At not time has the agency provided any of the legally required communications or disclosures and the balances provided can not be validated with the information provided. I have asked that any further communication be via USPS which has also been disregarded.