23daVinci/CFPB_Complaints huggingface dataset:
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 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 these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that XXXX is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the XXXX report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. M & T Bank refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Account Balance - AMEX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by American Express ( AMEX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, AMEX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by AMEX is misleading and inaccurate. 

Furthermore, I have noted that AMEX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of AMEX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : 1. Documentation proving the accuracy of the amount claimed.

2. A detailed explanation of why AMEX is reporting a balance despite the account being charged off. 
3. Proof of XXXX XXXX XXXX legal authority to collect this debt. 

If AMEX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : 1. AMEX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
2. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

Sincerely,
Product: Debt collection

XX/XX/2020 {$38.00} Wrote the corp. informed them that As consumer, the natural person, and the original creditor Pursuant 15 USC 1602 ( g ) my SSN card is my credit pursuant 15usc 1602 ( l ) I understand my SSN is an open consumer credit plan the are violating my rights 15 USC 1666b ( a ) which they are reporting to the CRA a late payment which is a violation They are damaging my consumer report by reporting this false allegations and seems don't care about the law
Product: Credit card

First Progress Notice : This account is closed. 
*First Progress XX/XX/year> CARDHOLDER First Progress Elite Card Credit Card XXXX Show Account Number Your Account : XXXX XXXX {$100.00} Current Balance {$92.00} Available Credit I have called XXXX times it have effective my credit score dure to this error. All I ask was to send me another card because mines was about to expire XX/XX/year> now this happened to me!!!!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc ) due to inadequate customer service my account was left unable to dispute transactions and they did not comply with error resolutions. Under the Electronic funds transfer act ( EFTA and regulation E ) these actions cause significant inconvenience and financial loss and fraud was able to pass on my account with no recognition.furthermore their dispute resolution process was unfair and deceptive.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency has failed in their obligation to limit the reporting on a consumers consumer report in the purposes listed under section 1681b.

The law states 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

I have asked for verifiable documentation of permissible purpose as stated in 15 U.S.C. 1681b and they failed to provide me with such documentation.

The law states if no such documentation can be provided all accounts listed below must be deleted if such documentation cant be verified. 

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

I need to add another bank to withdraw my money, but I can't get in touch with them. I always make mistakes when I add Banks Sorry, we cant link your bank account right now. There's always that mistake My email number is XXXX XXXX
Product: Checking or savings account

Re : Wells Fargo Charged {$20.00} XXXX {$10.00} fees for no good reason. XXXX was reversed. I was told that I waited too long to correct the error for the other one. It was at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The guy I spoke to first lied about the type of account I have. Then lied about the minimum amount of money needed to Not be charged a fee. I said he was XXXX. he told me to XXXX XXXX XXXX XXXX XXXX XXXX
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 finding 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Gas was purchased from Exxon station at XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX using a MasterCard at the pump. On XX/XX/XXXX two charges were posted on the credit card for {$100.00} each. Based on credit card charge description the charges came from Exxon station at XXXX XXXX XXXX XXXX XXXX, TX XXXX. Unfortunately did not get a receipt at the pump but charge should have been around {$25.00} for fill up of a XXXX XXXX.
Product: Debt collection

I received a letter from Resurgent Capital Services alleging that I owe them a debt. I have never heard of this company or did any business with them. The letter they sent me included multiple violations of my consumer rights.

15 U.S. Code 1692 ( c ) ( a ) Communication in connection with debt collection.

15 U.S. Code 1692b ( 2 ) - Acquisition of location information.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information.

15 U.S. Code 1692d - Harassment or abuse.

Resurgent claims that they purchase the debt from XXXX XXXX XXXX. ( XXXX XXXX XXXX has been paid ). A letter of assignment was requested showing that they have been assigned to collect the debt and a validation of they debt, but the information was never furnished to me. Resurgent sold the debt and place the debt on my credit report without proof of ownership and a debt being owed to Resurgent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraudulent account on my credit report
Product: Vehicle loan or lease

Car was on price and when I went to finalize the deal price and interest was very high .I feel I been XXXX against. XXXX as a senior
Product: Credit card or prepaid card

On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XXXXXX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the transunion, Experian, Equifax credit reporting agencies 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. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Mortgage

We are issuing this complaint about Freedom Mortgage, loan XXXX. After job loss of seven months, we had to move out of state to find employment. Upon the move, we could not pay for two residences so began loan mitigation process with Freedom. It was five months before we could list the house for sale because of Freedom 's delay on the mitigation process. It has been two months since an offer was made on the house, but we can't close due to delay on part of Freedom Mortgage.

We have obtained and provided each document requested by Freedom ; some, multiple times. As of today, documents are still under review by Freedom and the HUD appraisal has expired. We were told over 10 days ago that Freedom sent a variance to HUD for extension of the appraisal - this needs to be approved before the house sale can be approved. The appraisal would not have expired had Freedom given this timely service.

The buyers ' closing date was three weeks ago and they are ready to walk away because Freedom has no date in sight for approval of the sale. We are hearing from the real estate agents that the buyers plan to pull out of the sale because of the delay. Our realtor will not list the house again, considering it " unsellable '' due to working with Freedom Mortgage.

We have record of 20+ calls and emails to Freedom Mortgage, with agent name/number and supervisor name/extension. I can provide this information to you. We receive incomplete and incorrect information, and no follow-through from assigned agents or supervisor.

We understand the negative marks on our credit are due to not paying on the loan ; however, we believe the past few months ' negativity should not have occurred. We have done everything required/requested in a timely manner but are being penalized by Freedom 's lack of attention.

Thank you for your review of our situation.
Product: Debt collection

XX/XX/2020 credit reports from all ( 3 ) agencies were requested in order to confirm clean up or address any errors on reports. 
XXXX  reflects ( 2 ) collections from a CCS Collections, XXXX XXXX XXXX XXXX, MA XXXX Amount {$590.00} Amount {$240.00} No documentation, bills, calls, statements or debt validation has been received to date. 

After contacting the XXXX XXXX XXXX onXX/XX/2020, CCS claims the Agency requesting these past charges are the following : Dr. XXXX from a XXXX XXXX A formal dispute has been started on XXXX XXXX 2020 with XXXX  Compliant # XXXX. 

XXXX XXXX 2020 - Contacted my primary care physcian Dr. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX. Neither the doctor 's office or the billing department has any such request or invoice for anything from a XXXX XXXX or a XXXX XXXX. XXXX with XXXX and XXXX. Both checked nothing found. 

XXXX XXXX 2020 - Contacted CCS Collections- XXXX Spoke with XXXX , She checked my name, verified my phone number nothing was found. No invoice could be location, My name or address was not located. Phone time 18 mins. XXXX call ended 18 mins and after she put me on hold the line died. 

XXXX XXXX 2020 - Contacted XXXX at CCS Collections XXXX XXXX. D.O.B and address does NOT match what is on file. No social security number was even provided. No invoice available. Recommended a dispute as well. 

XXXX XXXX 2020 - Contacted Quest Diagnostics XXXX, spoke with XXXX  XXXX, no tests, no invoice were ever located. Checked by name, D.O.B. Address. Nothing located. I was told to contact The Doctors Office for an invoice number. Again, no invoice was ever located.
Product: Money transfer, virtual currency, or money service

In pursuit of a fraudulent debt assigned to Professional Debt Mediation by my former landlord, XXXX XXXX XXXX, a fake Certified Mail notification regarding a claim on my {$300.00} rental deposit was generated on X/XX/2016 in order to steal it and cover up the fact that a claim on it had already been submitted to the Credit Reporting Agencies more than two moths prior without notifying me about it beforehand in violation of Florida Statute 83.49 ( 3 ) ( a ), which requires that landlords notify former tenants within 30 days via Certified Mail ( unless the tenant vacates or abandons, which is not applicable when the Courts order the Sheriff to possess the apartment on behalf of the landlord ) of any intention to impose a claim on the deposit and also to refund the deposit before continuing any additional collection activities ( see XXXX ). Moreover, the landlord feloniously intercepted the fake Certified Mail notice on X/XX/2016 with the help of the XXXX for the route -- who was obligated to forward all of my First Class mail on a permanent basis as of X/XX/2016 ( see section 2.3.7 at XXXX for details regarding the applicability of Certified Mail as it pertains to Change of Address requests ) -- in an effort to prevent me from finding about the landlords illegal conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30 day late on this account in XXXX of 2020. I do not know why I received a late. I called and explained to them we were in COVID and I was waiting for unemployment to kick in. I explained that that I would pay the account off - which it now is. I still received the late on my credit report.
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX account name : XXXX  XXXX account XXXX Account name : XXXX  XXXX account XXXX Account name XXXXXXXX XXXX XXXX account XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$600.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Money transfer, virtual currency, or money service

I deposited a postal money order in the amount of {$310.00} at a bank of america atm today, XXXX This is the 3rd time in several months that they have informed me they will be holding the money order for 1 week. The money order has all required information. It was issued by USPS. I am aware that by law, these should be processed in no more than several business days.
Product: Debt collection

The company did not return the money that was owed to me in full of {$1500.00}, it only returned {$850.00} and they never did their talk with the bank, I already explained it. I call and email them and they don't return my calls.