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

There is inaccurate information posted on my credit report with XXXX. I have stated my reasons for disputing those accounts in the documents attached. I have sent XXXX requests ; Certified mail to resolve these issues with no prevail. Equifax is violating my rights by continues to report inaccurate information to my credit profile. XXXX XXXX : Certified XXXX XXXX  XX/XX/XXXX XXXX - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified XXXX ( XX/XX/XXXX XXXX - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. XXXX XXXX : Certified XXXX ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # XXXX Who verified these accounts? # XXXX. How were these accounts verified? # XXXX. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my XXXX signature on it correlating to the disputed accounts. If Equifax is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. Equifax has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX XXXX Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I previously submitted documentation prior directly to the bureaus most recently XX/XX/XXXX and no action was taken. 

Consumer Name : XXXX XXXX XXXX, XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The following accounts that appear on my credit report : I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
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. 
Account name : XXXX XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account Inquiry : XXXX XXXX XX/XX/XXXX has violated my rights Account Inquiry : XXXX XXXX XX/XX/XXXX has violated my rights Account name : XXXX XX/XX/XXXX has violated my rights The above listed accounts 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. 
Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes Wells Fargo, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX.
Product: Credit card or prepaid card

I will attempt to make payment on website. Since I only use once a year, I get locked out when making payment and I don't always have my card around when trying to make payment. It locks me out for 2 hours. While I forget to return ( which is my fault ), I feel that the 2 hour lock period is too long a lock out period in hopes that people will forget to return to pay bill on time. They did not have autopayment in past and now have it. I spent 20 minutes on phone to set up autopay to prevent future missed payments. Lady on phone had me use 3 browsers over 2 devices and told me it was an error on my devices ' part. I asked if there was someone that could help me sign up for autopay and she said no I had to do it myself and that unfortunately she couldn't help me. I will attempt to check back later, but I feel between an XXXX XXXX and a XXXX computer with browsers of XXXX XXXX, XXXX  and XXXX XXXX, which are so commonly used, this is a tactic on the end of Kohl 's Credit card to prevent payments so that they can continue to collect interest and late payment.
Product: Credit card or prepaid card

On XX/XX/2023 I received the following message from American Express regarding my no-preset spending limit card. Your Preset Spending Limit has changed We're reaching out because we wanted to let you know as quickly as possible that after a recent review, we have assigned a Preset Spending Limit of $ XXXX, XXXX  to your account. 
The annual fee that I have been paying on this card for the last 6 years, and the terms of agreement with the lender corresponds to a no-preset limit CC. Now, Amex arbitrarily chose to place a preset limit despite no late payment and balances paid in full. Whats more, at the time of this abrupt change my business was in the middle of making international payments with this card for US Gov contracts. Charges were suddenly declined with no fair warning. 
This goes against consumer protection laws. Additionally, it also goes against consumer privacy, since they are asking for my personal returns before deciding if they will reinstate the no-preset spending limit that I had for the last 6 years. I can not presently provide this information. 
The representatives I spoke to say that the decision is AI based and they cant do anything about it. The bot may choose to limit the card due to incremental activity. We have been using the card for business as always intended. Historically, charges have always been the same. This is blatant prejudice and disregard for small business.

After more than a 6-year perfect credit relationship with Amex, they have no right to arbitrarily limit my use while still charging exorbitant annual fees that correspond to a no-preset limit card. American Express needs to comply with the terms & conditions that I originally signed up for, and pay for. Otherwise, they are breaching consumer protection laws and putting my XXXX business at risk as an unreliable lender. They are also misleading the consumer by offering no-preset limits, at the most expensive annual CC fees in the market, and then turning around and modifying their agreements at will.
Product: Debt collection

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTION SVCS XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX 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

I filed a dispute with Experian to address this issue, case # XXXX and they sent me a notification claiming to have fixed it. However, they have not addressed the issue at all and more false information is present on my credit report.
Product: Credit card or prepaid card

I received a statement from XXXX XXXX Credit Card. I NEVER applied for this credit card. There is a {$1000.00} charge that I never charged on the card I did NOT apply for. XX/XX/23 XXXX XXXX XXXX XXXX XXXX NJ {$1000.00}.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX Account number : XXXX, XXXX Account Nunber : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : 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: 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 fiancial 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: Checking or savings account

On XX/XX/23, an employee of Chime Bank instructed and directed me to transfer {$1200.00} from my checking account into an administrative account. XXXX days later, requested that the transfer be cancelled and the money be refunded to my checking account. The same employee told me that I had to purchase an XXXX gift card to use as an activation key. I did not have the funds available to do that. In XX/XX/23, the same employee told me Chime would compensate me {$60.00} plus the {$1.00} in cash but I would have to claim it in person in California. I told him I have no car and Im unable to travel.
Product: Debt collection

ABILITY RECOVERY SERVICES , LLC I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT XXXX XXXX XXXX  I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT
Product: Debt collection

The apartment complex where we lived before our current address sold a debt to a collection agency related to the rental agreement for the apartment. This contract was in my name and my husband 's name. The amount is XXXX for alleged unproven damage to the apartment after the lease ended. The collection agency is attempting to collect the full amount of the debt {$1200.00} in double form. XXXX to my husband and XXXX to me. And reported this debt to all three credit bureaus as two separate accounts when it comes to a single lease signed by my husband and me. I have disputed this error in the three credit agencies without success, this debt remains in my credit history in the three agencies. 
My husband did too, XXXX removed the debt from his credit history, but the other two agencies XXXX and XXXX did not. 
The document that the collection agency sent to support the debt is only in my husband 's name.
Product: Debt collection

I am writing to formally request the cancellation of the fees related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] based on my timely cancellation within the contractual 7-day grace period, as detailed in the attached documentation.

As a student managing the burden of XXXX XXXX I was in a vulnerable position when I was approached by an overly aggressive sales team during a layover. While under pressure, I was assured that I could cancel the membership if I changed my mind. However, when I later inquired about the cancellation process, I found the representatives to be unresponsive. 

Upon reviewing the contract, I located the specific clause granting me the right to terminate the agreement within seven days of signing. Following this, I promptly submitted my cancellation letter using the only method outlined by the company, as evidenced in the attached documentation. Despite fulfilling my obligations under the contract, my cancellation request was not acknowledged, and subsequent interactions with the company were dismissive and unprofessional. They would also bombard me with phone calls and the few times I did answer in the beginning, they would put me on hold transfer after transfer. 

Given these circumstances and my adherence to the cancellation terms, I kindly ask for the removal of any associated fees or obligations. I trust that you will consider this matter fairly, given the evidence provided, and I appreciate your understanding and cooperation in resolving this issue. 

Please confirm once the fees have been waived. Should you require any additional information, feel free to contact me. 

Thank you for your time and understanding. 

Sincerely, XXXX
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; ACCEPTANCE NOW XXXX B LENDMARK FINANCIAL XXXX XXXX SECURITY CREDIT SERV XXXX SUNBELT XXXX DESIGNED RECEIVABLE XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX SUNBELT XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX XXXX, SC XXXX
Product: Mortgage

As of XXXX XXXX, 2022, I will be on my third loan servicing company of the year ( XXXX, XXXX and due to convert to XXXX Bank. Specialized Loan Servicing has made errors in record keeping which have resulted in me making extra payments to avoid late penalties. 

Repeated attempts to get them to correct this have failed. Attached is a spreadsheet of payments made, dates and communications with SLS. Further complicating the matter, are three communications from SLS first alerting me to a new servicer to whom I should make payment ( XXXX ) then later, rescinding that communication ( after payment to XXXX had been made ) and charging me a {$200.00} late fee, then renewing the alert that the account would be transfers to XXXX effective XX/XX/XXXX. 

To summarize, two key issues : 1 ) Payment accuracy. I would like the Payment record to be accurate. 2 ) A late fee for {$200.00} which I would like refunded as I feel it is unjustified.
Product: Mortgage

Can you PLEASE help me with this horrific loan servicer RUSHMORE LOAN MANAGEMENT? Since the fall, I have been asking them to PLEASE put in a partial claim to the FHA on my mortgage and let me start paying for my loan again. I have a government FHA loan. 
They require people to fill out HARDSHIP PACKAGES for COVID 19 assistance, which I did not ask for any further. I asked for the past due balance to please be palced as FHA PARTIAL FOREBEARANCE at the end of the loan and let me start paying my loan. After months of sending in my paperwork, they put me back on a COVID 19 FOREBERANCE instead of listening to the customer and what the customer wants and the customers needs. 
Its unbelievable. Its like they DO NOT know who to read XXXX or understand XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

There was an attempt to open an account with XXXX XXXX. Inquiring about a letter I received informing me I was denied credit witXXXX XXXX XXXX XXXX, I called XXXXXXXX XXXX XXXXl. As of XXXX, I had been sick for 7-10 days due to a XXXX  XXXX. Credit cards were not applied for by me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXXXXXX XXXX and XXXX have 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.