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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 then records of convictions of crimes which antedates the report by more then 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

Stimulus deposited on XX/XX/XXXX according to get my payment website paypal still has not posted it to my account and its thevXXXX XXXX XXXX now paypal.claims no records of deposit
Product: Debt collection

On XX/XX/2023, I am currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading
representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Money transfer, virtual currency, or money service

Hello. On XX/XX/2022. I was scammed on XXXX by a user that claimed to make me a profit from XXXX leveraging. I was scammed for {$2200.00} in total from across three transactions through XXXX on the Wells Fargo app. I did this because I thought it was a good decision since I am in need of money in order to pay for College expenses. I have contacted my bank Wells Fargo about the situation. They have sent out three different transaction claims but have got back no money. They have also sent out three requests towards the other institution where my money got sent and currently awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Year after year, I request my annual credit report from Equifax. Year after year Equifax refuses to send my annual credit report as mandated by federal law.
Product: Credit card

I consistently make my payments on time. I am confident about this. What I don't understand is why this company is marking me late for certain months, which shouldn't happen. According to USC 1666b, any billing errors should be promptly corrected.
Product: Money transfer, virtual currency, or money service

This company somehow got my information from a brokerage company I have been working with and used all the information from my case to scam me into believing they were going to help me recover my money from XXXX instead they posed as an XXXX from XXXX and stole more of my money, through a XXXX XXXX  Wells Fargo. 

Since this happened, I have been depressed and sad that people can do this to other.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to TransUnion and XXXX every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
Transunion and XXXX  removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to transunion and XXXX and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below for my XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

Citibank solicited the creation of a new savings account with high interest rate. It looked like a good deal so I opened the account and left my funds on deposit for several months. I then wanted to use some of my funds and encountered unreasonable withdrawal limitations. It would take me 6 months just to get my initial funds back. Next I requested to close my account, but they said it will take 14 days and I need to wait until after a pending deposit is completed. I feel like this is a predatory banking process. Other banks that I use ( XXXX XXXX and XXXX XXXX ) don't have the same limitations.
Product: Debt collection

In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called XXXX  and the Bank XXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy court that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXX XXXX XXXX did not represent the new master servicer Bank XXXX XXXX. I spoke to Bank XXXX XXXX who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member Johnson , Blumberg & Associates , LLC Attorneys at Law, representing Bank XXXX XXXX responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank XXXX XXXX, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.
Product: Credit reporting or other personal consumer reports

This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Owed : {$3300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting

A dispute was completed XX/XX/2016. Instead of deleting the item Experian update it. A dismissal with prejudice was completed on this case and should not be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Transunion regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXXXXXX XXXX " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file XXXX XXXX XXXXXXXX # XXXX ). 

I later submitted this same information to Transunion for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Transunion ). I need copies of the documents you claim to use to verify for review only.
Product: Credit card or prepaid card

I received a letter on XX/XX/XXXX from capital one congratulating me on opening my new card which I idi not do. I never filled out an application online or in writing. I called them on XX/XX/XXXX and asked them to close this account immediately and asked how this was opened. They suggested that someone in my household opened the account which was very insulting as it is my wife and I alone. I have contacted them on the phone on XX/XX/XXXX and they refuse to discuss the account even though I have given them the credit card number unless I give them my SS # which of coarse I will not. I have never applied for a Capital one card and my SS # is my personal information. They refuse to answer the question of if the account is closed without it and I refuse to give it to them. Is this another XXXX XXXX Fraud problem with Capital One Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. Below are fraudulent Inquiries on my consumer report that need to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was in the Military and was transferred to XXXX in 2015 where I lived for the next 3 years.  I had an XXXX XXXX XXXX phone and called in to suspend the service before I left, because the phone will not work there.  Instead the representative cancelled it, and I thought it was suspended, since I've don this before with cell phones and being I the XXXX.  My account was closed and referred to a collection agency called Diversified Consultant for a little over 700 dollars.  I guess that was an Early Termination Fee, and other charge, the account was sent there XX/XX/2015, while I was in XXXX  I spoke with XXXX and Diversified in XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX, as soon as I found out years later and paid it to get it off my credit, even when I didn't owe it.  The reps simply state that's not what they do when asked to assist in removing the item, I thinks this is a shame, and shouldn't be done to someone serving their country, guess I add to the horror stories of other Military members.  This has cost me in interest rates, enough is enough.
Product: Student loan

I requested, for the very first, the cosigner application for the XXXX XXXX 2008 XXXX loan because I never received one.I was informed that it would have to be mailed to my address.It arrived at my address unsealed with all of my PII exposed to the public.My name, address, Social Security number, and date of birth were compromised.
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 of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX, Account ending in # XXXX, # XXXX, and account ending in # XXXX have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Mortgage

On XX/XX/XXXX, we began the mortgage process with Movement Mortgage in XXXX, Fl. All documentation request was provided including access to banking information, tax returns, and pay stubs. Pre-approval was provided and I began shopping for a home. On XX/XX/XXXX we made an offer on a home which was accepted. The closing was scheduled for XX/XX/XXXX. I asked to move the date up since the sellers were no longer in the house but was told no it could not be done. On XX/XX/XXXX I received an email that my loan was approved with conditions. On XX/XX/XXXX, I emailed with all the requested information. I also inquired if anything else was needed. I did not receive any communication that there were concerns or missing data. On XX/XX/XXXX a week before closing I was told that additional employment verification needed which was provided within 24 hours. On Monday XX/XX/XXXX, I received numerous XXXX documents about information that I had provided on XX/XX/XXXX. At the end of the day XX/XX/XXXX I was told the closing scheduled for the next morning was canceled. I had movers and deliveries all lined up, no secured living space, time off work and they had no real explanations. On Wednesday the day was scheduled to close I was told it was a delay in processed because of the employment verification issue. A delay that you knew about three weeks before closing but did not address. They were inefficient, costs me hundreds of dollars and want to delay for additional days with the same excuse which is a lie. They did not process my information or follow up in a timely manner. They have no remorse for the inconvenience of financial costs with pushing this closing back for no reason other than incompetent practices. 
I am stressed and devastated with the process. My daughter cant come home for spring break because I have no home for her to come to. The need to do better and be diligent about their processes. There website boasts about how quickly their loan process is and how quickly they can get to closing. It is all a lie. Beware of doing business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, XXXX XXXX XXXX  placed a fraudulent account on my credit reports with XXXX, XXXX and Equifax. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. Equifax and XXXX have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, XXXX   and Equifax are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.