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

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Checking or savings account

A checking and savings account were opened in my name with Bank of America as a result of fraud. An individual obtained my email address and SSN and opened the account online on XX/XX/2022. I noticed the account opening on XX/XX/XXXX and called Bank of America right away to have the account closed and obtain appropriate documentation that the account is fraud and not mine. Per the FTC 's website, Bank of America should provide me with a written statement that states that the account was opened as a result of fraud, that I am not liable for the account, and that the account will be removed from my credit report. After tirelessly attempting to get in touch with Bank of America, I have still not received any type of written correspondence. Each time I'm able to get ahold of someone, they pass me to a different department, and then I end up being passed back to the original department I called into, check fraud. I have yet to get a straight answer from anyone. The last person I spoke with told me I'd receive an email from an analyst on next steps within 1 to 5 business days, that was 7 business days ago. At this point, I'm just trying to get written documentation that these accounts aren't mine and that they have been closed so that I can get the accounts removed from my credit report. I fully do not understand why it has been over a month and why Bank of America doesn't seem to have a formal system in place to handle bank fraud of this nature.
Product: Debt collection

Dyck O'Neal is a debt collection for XXXX XXXX. Dyck O'Neal is reporting eight times on my XXXX when there is only four accounts. They are also reporting different amounts on my XXXX it says I owe {$0.00} and its not in a collection status when it states that it is. They made XXXX score drop significantly by reporting double four in collection four with regular accounts that are not in collection showing eight open accounts. This company is presenting fraudulent activity. The original company was paid off. I do not owe Dyck O'Neal. They need to be removed from my credit report due to fraudulent and inaccurate activity.
Product: Mortgage

On XX/XX/year> while applying for a mortgage loan with Chase Home Lending, Chase loan officer XXXX XXXX advised I would need to pay {$500.00} as a promise to continue with the financing. XXXX XXXX XXXX, this amount would be refunded at closing or if financing were denied. The process exceeded 90 days, financing was denied, then approved only after seeking alternative financing. Later, Chase Home Lending denied me again. I questioned the {$500.00} refund which Chase later advised was appraisal costs, Chase advised it would not be refunded. Chase Home Lending then refused to provide the appraisal to XXXX XXXX and I had to purchase an additional appraisal prior to closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the validity of a collection account that is appearing on my credit report. I Have found multiple inquires, credit card accounts and debt that i have not approved of or knew about from companies such as 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

Theres a hard inquiry on my XXXX report for a credit card I never applied for, XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute
Product: Checking or savings account

I signed up for a XXXX through the bank. They were pulling money from the account from another institution. They said it could take up to 30 days, and didn't give me a timeline. By what they stated was the law, I had 7 days to close it after funding. Rates drastically changed as I was waiting some time for it to fund, and I received a letter in the mail dated the XXXX saying it was finally funded. The post office didn't deliver the letter ( as I would think they would know ) until after the window. I called to close to reopen another account with the current rate, and they said I was " one day too late ''. I asked to speak to management, and " there was no manager available ''. I asked for a follow up call- no one ever called me. This was after the time before I sat on hold for multiple hours. I filed a XXXX complaint- never heard back after that. Now, I am concerned about my money even being at this bank considering the difficulty with communication.
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, 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelles 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 CFPBs 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 the safety of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on XXXX as a different date compared to XXXX and Equifax. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

I received a letter dated XX/XX/2022 from McCalla Raymer Leibert Pierce , LLC with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew Powers of McCalla Raymer Leibert Pierce , LLC and McCalla Raymer is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal McClalla Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website XXXX offers free credit reports every week from XXXX, XXXX and Equifax. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.
Product: Student loan

In follow up to the last response you are inaccurate. There was a XXXX XXXX produced from Citibank this year XXXX despite having one department closed there are many others you speak of. 
This is out of line for a lender not to have original documentation of a loan The bankruptcy paperwork was sent along with the last complaint. 
There is no loan referenced " XXXX '' So there is a problem here for you to identify the loan. 
XXXX XXXX XXXX  dispersed the loan only. 
You are responsible for having the documentation. 
Where does it say I am moved in the primary position after XXXX XXXX Bankruptcy It is not private when I sent you the information and you have not identified your loan. 
Unless you reference precisely the loan in the bankruptcy which leads me into first position then I suspect you made an error issuing the loan in the first place and there is also an error in how you followed protocol that may be wrong. 
XXXX denies in current court proceedings this loan exists after XXXX as she paid it off. 
This loan you speak of is my own loan originated without XXXX. 
So how do you answers now. 
If it is a manual check where is the signature on the check? Paperwork? 

The issue is larger and your are creating irreparable harm to me Please respond with the correct paperwork to prove my identity on the loan and the issued check. XXXX XXXX XXXX does not keep these records and relies upon you to do your due diligence I was involved in your bankruptcy account listed in your last response and you are unable to substantiate this The account numbers do not match the bankruptcy file Please do so immediately. and the exact dollar amount What is the account number with XXXX and when did the company received the loan servicing agreement?
Product: Money transfer, virtual currency, or money service

Urgent Assistance Request Account Restriction and Negative Balance Dear CFPB I hope this message finds you well. I am writing to seek urgent assistance regarding a distressing situation with my Chase Bank accounts. 
Overview of the Situation : On XX/XX/XXXX, my checking account was unexpectedly restricted and slated for permanent closure within XXXX business days, citing multiple claims being filed in a short period. Despite all claims being in my favor ( with supporting letters ), my account remains restricted. 
During this period, I was unable to access both my checking and self-directed brokerage accounts, causing significant distress. Account Restriction Details : Despite numerous calls and branch visits ( approximately XXXX calls and XXXX branch visits ), I couldn't obtain a clear explanation or resolution. 
XXXX weeks later, I regained access, but my checking account had a negative balance. Although I possess sufficient liquidated funds in my brokerage account, attempts to transfer and resolve the negative balance on the overdrawn account were declined ( i have proof of the regected deposit ). 
Financial Impact and Credit Score : This situation is adversely affecting my financial stability and credit score. I urgently need your assistance in resolving this matter to prevent further harm.

Requested Actions : Investigate the circumstances leading to the account restriction.

*Facilitate the resolution of the negative balance using available funds in my brokerage account. 
*Provide guidance on ensuring my checking account remains open until the balance is satisfied. 
*Enable the transfer of funds from my brokerage account to an external bank account. 
Documentation : I am willing to provide all relevant documentation, including claim letters, account statements, and any other necessary information. 
I appreciate your prompt attention to this matter. The sudden loss of access to my funds has created severe financial challenges, and I am hopeful for a swift resolution.Thank you for your assistance. 
God bless.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account identified as XXXX which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile. 

please confirm in writing that you will remove the charge-off/collection from my credit report with all major credit bureaus ( XXXX, XXXX, and TransUnion ). 

Thank you for your time and consideration. I look forward to your positive reply and am eager to resolve this matter amicably. 

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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

An XXXX purchase for {$140.00} from a PayPal vendor was unsatisfactory ( Seller had sold me an unauthorized and ineffective DNA service kit from XXXX ) on XX/XX/2019. I requested a credit from the vendor through PayPal by filing a dispute. PayPal told me to contact XXXX instead because the original charge was made to my XXXX XXXX card. I then contacted XXXX for a credit. XXXX issued the credit onXX/XX/19.Subsequently,  PayPal issued a credit to my XXXX card on XX/XX/19. On the same day,XX/XX/19, I received an email from PayPal saying I owe them {$140.00}. XXXX XXXX appropriately issued a debit on XX/XX/19 so that there was not a duplicate credit on my XXXX. OnXX/XX/2019 I received another email from PayPal again stating I owe them {$140.00}. I owe nothing. I received the credit to offset the disputed charge, resulting in a zero balance receivable or due which was the fair resolution to this issue. However, subsequently, PayPal responded to the original complaint XXXX that they had ceased collection efforts by accessing and taking from my account the {$140.00} cash balance in the PayPal account I set up. This is an inappropriate resolution, as this resulted in PayPal taking {$140.00} to pay for the service I did not receive. The vendor has not been held accountable for a refund as should be the case and I am still owed back the {$140.00} from PayPal. The XXXX net activity resulted in {$0.00} to the credit card account, which was the appropriate outcome -- no charge due to no service received from vendor 's sale. However, the PayPal action to take cash from my PayPal account remains a net cost to me of {$140.00} for a service I did not receive. Moreover, the PayPal " resolution center '' doesn't allow a dispute, forcing me to resort to the CFPB for assistance. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX, number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX credit card account ( account # XXXX ) with a XXXX limit which is only reporting to XXXX. This account is not reporting to Equifax and XXXX.