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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have two checking accounts with my financial institution XXXX XXXX, in which have been establish for over 13 year. One checking account ending in XXXX and XXXX. Both accounts are legit and are linked to each other for transferable financial interaction. The checking account ending in XXXX, was the account rejected by a payee of a bill and the account also serves as a OVERDRAFT ACCOUNT because of substantial amount of funds are that are kept there on a daily basis, and both accounts are liked to a financial institution major credit card with the capability of also covering funds and transfers. I don't understand the rejection of the check written under account XXXX. I would like this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is completely unacceptable ive sent letter after letter and even filed a complaint with the cfpb numerous times and there has been nothing done I KNOW MY FCRA RIGHTS AS A CONSUMER AND IF THIS ISSUE CONTINUES TO GO UNRECTIFIED I WILL FILE A COMPLAINT WITH THE ATT. GENERALS OFFICE The two accounts listed have been disputed repeatedly due to the inaccurate reporting of this account and it keeps coming back updated or verified. 
Based on my understanding of my rights I asked the bureau to show how the account was verified only for the account to come back as updated. 

This is a violation of my rights I HAVE THE RIGHT TO KNOW HOW THE ACCOUNT WAS VERIFIED SINCE THEY KEEP SAYING IT WAS VERIFIED. 

The letter was sent back in XXXX AND STILL NOTHING HERE IS MY FORMAL REQUEST FOR VERIFICATION AGAIN IF THESE ACCOUNTS CAN NOT BE VERIFED DELETE THEM XX/XX/XXXX Regarding : XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$420.00}, Payment : {$0.00}, Issue : Date open and/or High balance is incorrect XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ), Date : XX/XX/XXXX, Account # : XXXX, Amount : {$550.00}, Payment : -, Issue : Account type account status date opened balance terms high balance past due and/or payment status are inaccurate Subject : Debt Verification To Whom It May Concern, The account above concerns me. This is notification that I formally dispute this claim and seek verification. 

Pursuant to local state laws as well as the FDCP and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. 


Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, XXXX, and Experian from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports. 



To prevent me from taking such action, Im asking that you request that those negative entries be deleted, if there were placed on my credit reports pending the outcome of the evidence you will provide. Not doing so without this evidence, injures me and I could be entitled {$1000.00} per violations for damages. 



I will seek these damages on the grounds of : Negligent Enablement of Impostor Fraud Defamation Violation of the FCRA including but limited to 623 ( b ) Furnishers ' Investigation of Disputes Filed with CRAs Duties failures under CFPB Regulation V Violations of the FDCP including but limited to Section 807. False or misleading representations subsection 8 The goal is to correct the records and a request for information only. This is not a statement, determination, or waiver of status. Just know that any information provided will be used as evidence of any additional action that is necessary. 



Here is contact information : XXXX XXXX CC : CFPB CC : XXXX  CC : AG office
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Debt collection

There is a collection that just reported to my credit file name is Sequium Asset Solutions for {$340.00} this debt is NOT mine. I called the company, I never even lived at the address listed on this account. This is fraud and I want it removed
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 XX/XX/XXXXand 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. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXX XX/XX/XXXX 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 of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and still continue to notice that an account that was not reporting accurately. I have late payments showing differently on experian than TransUnion and equifax. Consumer reporting agencies need to report all information with complete accuracy. If this information cannot be verified I demand these payments be updated to paid on time and/or fix the incorrect payment history immediately. Thank you for understanding and prompt action.

XXXX  reported late payment dates for closed account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Experian reported late payment dates for closed account of XXXX XXXX XXXX XXXX  Id also like to state that on my experian account I read a statement that experian said I made which is also not accurate stating that my late payments were due to unemployment. This is a statement I never made and would like that removed as well please. 
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've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THIS COMPANY IS IN VIOLATION OF : 15 USC 1, 15 USC 1681-602, UCC 1-308
Product: Credit card or prepaid card

At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING ALL CLOSED REVOLVING AND INSTALLMENT ACCOUNTS AS CURRENT AND LAST ACTIVE AS OF XX/XX/year>. XXXX SHOULD DELETE AND REMOVE THESE CLOSED REVOLVING AND INSTALLMENT ACCOUNTS
Product: Mortgage

I applied for a home equity loan on XX/XX/XXXX. In the initial screening, I was asked if I had a money market account, and I said yes. Discover Home Loans, reached out to me for all the required documents, but did not ask for my money market statement. I called XXXX and asked about my status and they said it was finishing in underwriting and all was good and it would process the following week. The following week, I noticed that my loan was denied. I called Discover and they said the loan was denied because I didn't have sufficient liquid assets. Apparently you need 2x your monthly mortgage in your checking account. I was never advised of this. I could have moved money from my money market. Also, no one ever called me to discuss the denial even though the website says my personal banker would be reaching out to me. When I spoke to a different banker on XX/XX/XXXX, they explained the denial and said someone should have called me with a counter or to request the money market statement. Then he arranged for a supervisor to call me and said it would be that day. I never received a call from the supervisor. He said I could reapply with the money market, but I would have to start all over again. I had all the required documents and liquid assets to obtain this loan, but due to poor communication on the part of Discover employees, I was denied. In my opinion this is bad business. I hold a Discover credit card, they sent me the info to apply for the loan and then didn't do their part to close the loan properly, nor did they follow up with me when I called to understand why. I especially have a problem, with a supervisor not following up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights concerning the following accounts XXXXXXXX XXXX  account # XXXX XXXX XXXX  account # XXXX and account # XXXX 15 U.S.C. 1681 SECTION 602A. 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 instructions.
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B requires the elimination of any incorrect entries from my credit file. Would you mind reviewing the paperwork? Certain listed entries are inaccurate in terms of reporting, with incorrect amounts and dates noted.
Product: Mortgage

My Covid 19 foreberance was scheduled to end XX/XX/XXXX. I contacted BSI financial to let them know to extend on XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and was only sent to a voicemail each time. I started my forbearance on XX/XX/XXXX and my 360 days would not be until XX/XX/XXXX. I just received a notice of default and intent to accelerate.I have not been offered any loan modification and have been charged late fees. The company is unresponsive and they are not acting in good faith and my loan is secured by USDA. I am asking for your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor Citi Bank with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.
Product: Debt collection

I bought a XXXX treadmill through XXXX XXXX which is TD Bank. I was to pay a fixed amount each month for XXXX  months. I did that and have my bank records to show that. TD Bank claims I was late XXXX time the continued to charge me late fees on top of late fees. I was never late. Now this is when COVID was causing problems with mail delivery. I don't know if that was the cause or not. 

The late fees are creating a credit reporting issue for me. I have never been late on a payment. EVER. I have tried several time to get TD Bank to correct this problem and all they say is to pay the {$340.00} in late fees. 

I need help fixing this. It is a scam. No interest for XXXX  months and they hit you with late fee. It is a scam, Payment history per my XXXX XXXX XXXX XXXX records : XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$210.00} final payment balance per TD bank statement
Product: Prepaid card

On XX/XX/XXXX I purchased a US Bank Mastercard gift card from XXXX for {$500.00} + {$6.00} fee. I have attempted to use this card multiple times and it does not work. I was informed by US Bank support to fax in the front and back of the card and id. I did this multiple times, including multiple pictures of my drivers license. I called approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I talked with a supervisor and he told me the first fax that I sent on XX/XX/XXXX was readable so it should go through properly. Each time I call I'm told id is in reverse image which apparently means it isn't completely legible. Keep in mind I confirmed XX/XX/XXXX first fax had an image that was entirely legible per supervisor. 

I am attaching the front and back of gift card.
Product: Debt collection

XXXX is reporting a debt on my credit file that is not mine. I am no longer an authorized user on this card and It needs to be removed off my credit file.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. XXXX XXXX XXXX has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccuracies and inquiries i never authorized.. 

15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate Unauthorized Inaccurate inquiries being reported listed below remove all inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had been working with Carrington Mortgage company since XXXX 2015 on a mortgage loan. I had been pre-approved for {$170000.00}. I was working closely wiht the mortgage loan officer. We finally got a closing date of XXXX XXXX, 2015. On XXXX XXXX, 2015 the mortgage loan officer called and said they needed a few additional days as XXXX of the loan processors was in the hospital. My realtor had me sign a extension contract, extending the closing for XXXX days. XXXX days after the extension was signed I got a call from the mortgage loan officer telling me I would not be getting the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states I have the right to privacy and XXXX XXXX XXXX has violated this right to privacy. 
15 U.S.C 1681 Section 604A Subsection 2 also states that a consumer reporting agency can not furnish an account without my written instruction and I did not give this company permission written or otherwise to share my personal info with third parties.
Product: Credit reporting or other personal consumer reports

The following inquiry was authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These was authorized by me to my knowledge.
Product: Student loan

I recently applied to " remove '' a cosigner from my private student loan. On XX/XX/2019, I received a " denial '' to do so. The reason that I was given was : On two ( 2 ) occasions, you were late paying your monthly payment. I candidly responded, " I do remember, but my reasons were : # 1. My purse was stolen and my debit card was in the purse. I immediately reported the " theft ''. It took 3-5 business days for me to get my " new '' card. In the meantime, when Navient went in for payment, it was " rejected ''. I was not aware until I received a phone call. # 2. One of my check books was stolen from my office drawer by a custodian. He admitted to writing ( 2 ) checks before I discovered the check book was missing. I immediately closed my checking account, and had to wait before opening up a new one because I had outstanding checks.. I guess in between this time, the payment was rejected also.

If you check my payment history, I have NEVER missed a payment and have been consistent with paying. My credit score is over 700, that should count for something. I have been paying this loan for years and I am seeking FULL responsibility and now I am being rejected and penalized for ( 2 ) late  payments that was not my fault and I am seeking some relief. I am in good standing. Why am I being rejected? Please consider this letter of complaint and honor my co-signer release. 

I am not being difficult, I just feel rejected for something that was beyond my control. 

Thank you.