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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
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 and 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 accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The company did not validate this account as requested and was notified of fraud months ago. under the Fair Debt Collection Practices Act. See 15 U.S. Code 1692g. They are required to validate this debt within 30 days of my request. They have also violated Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ) of the United States Code prohibits debt collectors from using false or deceptive means to collect a debt or obtain consumer information by continuing to falsely report negatively knowing this account was not opened by myself.
Product: Debt collection

On XX/XX/2019 an XXXX from Jefferson and associates starting calling my hr manager at work in an attempt to collect a debt that was over 9 years old. I called the # and  extension left on voicemail to my hr manager where I was lied to about having to pay the time barred debt or legal action would be taken since I lived in a garnashble state. So I was forced to verbally agree a settlement which I then cancelled after learning my rights of FDCPA.
Product: Mortgage

I was looking around for a mortgage and spoke to XXXX XXXX from AmeriSave mortgage. I decided to not get prequalified because she wanted me to take a higher interest rate now and refinance in 6 months. I knew this sounded wrong and not how banks generally offer loans. I declined this offer but wanted to notify somebody of this companys offer because this is definitely predatory lending. At a more vulnerable time in my life I may have fallen victim to it, but now I understand I have to shop for a mortgage just like anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against the a few credit reporting agencies ( XXXX, XXXX, XXXX and Equifax ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Con

sumer Report. I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household. 

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt. 

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.
Product: Checking or savings account

Im never using Chime Financial Mobile Banking again after this catastrophe. I am reaching out for help with my disputes after my Chime account was completely depleted. When I initiated the disputes, a representative assured me I would receive my funds. However, two out of four disputes were denied, and after a few more days, I received one approval and another denial. I'm confused about the investigation process, especially since the scammer withdrew all the funds on the same day, obviously accessed my account or stole my credit card, and was at a location Ive never been. I wasnt given no information on the one that was approved. I contacted the store they were no help and told me to contact my bank. I found the location where the withdrawal took place on my bank statement. Chime has not helped with nothing at all. If one dispute was approved, why were the others denied? This isn't my first issue with Chime. Sometime this year my dispute was denied even after I submitted a police report, which is unacceptable and this transaction was about the same amount its happened twice. I need a Chime representative who can communicate effectively in XXXX to address my concerns. I'm left waiting for my refunds, and I have no information to assist the police in the report I made. Chime has allowed someone to steal nearly {$5000.00} from me over the past year, and it has made my life terrible. I've requested my cases be reopened, but I'm unsure if that has happened. That still may not be enough to get me my funds back. I urge the Chime executives to intervene and hold Chime support team or who ever handles the disputes accountable. It's baffling how one dispute was approved while others were denied but the same information was provided, especially since all were ATM withdrawals made at the same time. This is clearly fraud, and I feel victimized. Chime should be able to provide clarity and some type of solution on this situation. THESE ARE THE MOST RECENT DISPUTE TRANSACTION DATES AND AMOUNTS DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I noticed the following inaccurate entry ( XXXX ) or erroneous collections : [ XXXX XXXX XXXX {$3900.00} ] [ XXXX XXXX XXXX {$1600.00} ] [ XXXX XXXX XXXX {$2100.00} ] [ XXXX XXXX XXXXXXXX {$950.00} ] [ XXXX XXXX XXXX XXXX XXXX {$300.00} ] Pursuant to 15 U.S. Code 1681 ( o ), civil liability is applicable for negligent noncompliance. The reporting of inaccurate information on my credit file constitutes negligence and a failure to meet compliance standards under the FCRA. As a consumer, I have the right to ensure my credit report reflects accurate and verifiable information.

I request a thorough investigation into this matter and ask that you : 1. Provide verification of the accuracy of the information from the original creditor.

2. Remove or correct the disputed item ( s ) if you can not verify their accuracy.

3. Provide me with a written statement detailing the outcome of your investigation.

The inclusion of unverified or inaccurate information on my credit report has caused undue harm, including [ explain briefly, e.g., denial of credit, increased interest rates, emotional distress ]. I am prepared to escalate this matter further should this dispute not be resolved promptly and in compliance with the FCRA.

Please respond to this dispute within the 30-day timeframe as required by law. I expect the inaccurate information to be either verified, corrected, or removed from my credit file.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution. Should you have any questions or require additional information, please feel free to contact me at the details listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

We have been receiving harassing phone calls from Keybank regarding an alleged debt. Although Keybank as been notified to stop calling, the calls continue daily. Also in attempt to resolve this alleged debt a notarized affidavit to dispute and requesting verification of debt was sent certified mail to Keybank back in XXXX 2020. No response was received regarding verification of debt. The calls had slowed after letter in XXXX 2020, however have recently started to be a couple to few times daily. My mother is elderly and has health conditions and has been disturbed tremendously with the stress from these phone calls and letters ( that note " debt collector '' ) from Keybank as she has hard time even getting the phone to answer. 

It was clearly communicated on each call from Keybank, to no longer call numbers noted on alleged debt account or to send threatening letters that they are debt collectors. A call received from Keybank today caused major stress as the representative responded to her after noting once again it wasn't her debt, please don't call ... representative responded " pay your bills and we won't be calling. '' Also stressed has been caused as Keybank has reported information to the credit bureaus that have adversely affected both of our credit scores. We are both aware of our natural protected consumer rights these are clear violations and we are requesting for this matter to be resolved as soon as possible as it is affecting our lives daily. 

Some of the noted dates and times of recent calls : XXXX/XXXX/20 XX/XX/XXXX20 XXXX XXXX XX/XX/XXXX20 XXXX *yes am ( have voice mail proof ) XX/XX/XXXX20 XXXX XXXX/XXXX20 XXXX XX/XX/XXXX20 - XXXX XX/XX/XXXX20 XXXX XXXX/XXXX/20 - XXXX Thank you.
Product: Mortgage

On or about XX/XX/2023, I contacted Mr Cooper mortgage about having my FHA mortgage assumed. They advised that a loan assumption would take approximately 60 days to complete. On XX/XX/2023, a buyer made an offer on my house contingent upon them being able to assume my FHA loan with Mr Cooper. I immediately contacted Mr Cooper and requested to start the assumption process. They refused to email the assumption application documents until after they had been mailed. Once mailed several days after requested, I had to call and request the documents emailed on XX/XX/2023. Once emailed, the assumer and I completed the requested documents within 24 hours of receipt and emailed them back on XX/XX/2023. Mr Cooper failed to have contact with me and I did not receive updates unless I called customer service. I called on XX/XX/2023 and was notified that another form needed to be completed. I promptly completed the form and emailed it back to them the same day. Mr Cooper again failed to have contact with me. I called several times the following week. I was advised that all documents were completed and received as of XX/XX/2023. I asked to speak to a loan officer and they refused to let me speak with one. Over the next 3 weeks, I was told that the assumption process was backed up and would take 4-6 months to complete. I requested several times to speak with a loan officer or manager and was denied. I asked to have the assumption escalated. I was advised that a loan officer would contact me by XX/XX/2023 but they failed to do so. Customer service continued to deny me my request to speak with a loan officer or manager of the assumption department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been noticing my credit score with Trans Union was significantly lower ( approximately 50 points ) than the other two reporting agencies. I monitor my credit consistently and pay for a monthly subscription with XXXX. This first became a noticeable problem when I went to purchase a new vehicle in XX/XX/XXXX. I had expected a certain rate based on my known credit scores. When I went to pick up the vehicle, I was informed that the lender was unable to give me a lower rate and gave me a significantly higher rate of around 8 % and my payment was approximately {$60.00} higher monthly. I was on the spot with my trade in ready to go, so I just went with it. I chalked it up to a temporary dip in my credit score due to a recent consolidation loan and a recent home equity line that I'd taken or looked into, as well as the use of an older credit scoring model for automobiles that was less forgiving than some other models. As time went on, I have noticed my Trans Union scores have been approximately 50 points lower than the other two reporting agencies. Upon further review I realized my mortgage, which is nearly 50 % paid off, was not being reported via Trans Union, clearly a positive weighted factor on a credit score not being considered. I called Trans Union and they explained the lender may not be reporting it. I was annoyed because it was my first mortgage, of course it should be reported. I was advised to call the bank ( credit union ) regarding reporting. I was then advised by the credit union, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, that they only report to Experian because they have to pay to report to the agencies so they only choose to pay for one, XXXX. Therefore, this positive credit account is omitted from my credit scoring model for Trans Union, and likely XXXX ( which has not yet been apparent in  my score, however could only improve what it is anyway ) driving down my credit score significantly, and in turn, costing me an unfair amount of interest in credit rates offered via loans or other extensions of credit overall. Credit Reporting agencies should not be allowed to CHARGE for my reported credit accounts from lenders, and lenders should be REQUIRED to report ALL credit accounts for a fair account of a consumer 's credit capacity, and risk rating. No actions were taken by either Trans Union or the Credit Union, as they are not required to do anything. However, this means that I will be subject to unfair denials of credit and/or higher interest rates than I am actually qualified for. This poses a serious injustice to consumers, most of which I am certain have no idea of its existence and damaging consequences to their personal cost of credit, and household budgets.
Product: Credit card or prepaid card

I redeemed a statement credit for {$460.00} on XX/XX/XXXX. It states that its redeemed & points were deducted but never was credited to my credit card. Called over 10 times & it seems like they have no idea how to resolve the issue. Gm said they had a glitch & the same thing happened to everyone after a certain date. They never corrected it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I go to a dealer for buy q car and they make a lot of hard inquires 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

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Acct # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Product: Debt collection

BELOW IS THE ONLINE INFORMATION SUBMITTED TODAY ALONG WITH UPLOADS. 

XX/XX/XXXX RE : MIDLAND FUNDING CLAIM FOR TWO XXXX XXXX XXXX XXXX DEBTS To Whom It May Concern : This filing explains Midland Funding, LLC purchase and collection on my two XXXX XXXX XXXX XXXXXXXX debts. As you know, they have a history of ongoing lawsuits. For example, in XXXX, Midland Funding was found in violation of the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
Basically, in XX/XX/XXXX this debt collector forced me to pay them {$2400.00} in order to avoid them from garnishing my salary. Attached is my XXXX Credit Report document showing this 1 ) date ; and, 2 ) amount paid to Midland Funding. In addition, they paid the {$10.00} cost to file several false Writ of Garnishment judgment claims at the XXXXXXXX XXXX XXXX XXXX. See Doc A & chart below : Instrument no. Book no. Page no. by Midland Funding, LLC amount XXXX XXXX XXXX {$4800.00} plus interest XXXX XXXX XXXX {$4200.00} plus interest XXXX XXXX XXXX THE PROBLEM : I paid XXXX XXXX XXXXXXXX debts XXXX XXXX XXXX XXXX XXXX ) for monthly ( for years ). Then, on XX/XX/XXXX, they approved a settlement payment with me. See attached. Regardless, Midland Funding, LLC ignored my paid status. Continuously, they harassed me at home and work with calls, letters and threats. Finally, their stressful attacks on my workplace character ; & garnishment threats caused me to pay them {$2400.00}. Primarily, to protect my job, peace, income, character ( Doc B ). 

BANK ACCOUNT NO. BALANCE SETTLEMENT APPROVED DATE [ XXXX XXXX XXXX ] ( price paid in full as agreed XXXX XXXX XXXX XXXX XXXXXXXX {$4600.00} {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5700.00} {$870.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  : Attached find the two ( 2 XXXX XXXX  XXXX XXXX settlement letters ( dated XX/XX/XXXX ) both PIF. See Doc C & D. Also, see attached XXXX XXXX XXXX showing XXXX XXXX XXXX with XXXX XXXX  XXXX account XXXX ( above ) ID Status : as PAID IN SETTLEMENT and Creditors Statement : Account legally paid in full for less than full balance. ( See Doc E ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear chase, I recently received a letter about a fraudulent account thats being reported on my credit report and it stated please provide more information about your dispute First and foremost I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts and inquiries that are inaccurate on my consumer report. Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company have infringed upon my rights.

Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy. Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my
Product: Mortgage

In XX/XX/XXXX, our account was transferred to Rushmore Loan Management Services while it was in a 9-mth Forbearance period which commenced in XX/XX/XXXX and ended in XX/XX/XXXX. In the interim of being transferred to Rushmore, we were informed that we could apply for our Loan Modification towards the end of our Forbearance period and did so in XX/XX/XXXX to complete the paperwork and commence the Loan Modification process. During this period, our Credit Reports should not have been negatively impacted because we were experiencing extenuating medical and financial circumstances and our loan was in Forbearance from XXXX through XX/XX/XXXX and later in the Loan Modification process from XXXX - XX/XX/XXXX because Rushmore took a longer period of time to process the paperwork as well and were being discriminated against during the process as well, as opposed to other XXXX  clients whose credit reports were not negatively impacted. Rushmore discriminates against XXXX XXXX and U.S. Veterans and charges higher interest rates when completing a loan modification package, as compared to XXXX  consumers whom they service loans for as well. They negatively impacted our credit which is causing extreme difficulty to obtain a VA IRRL to reduce our high interest rates which they are currently charging us.