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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/scrub>XXXX  The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX - XXXX  The following inquiry was not authorized and should not be reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( a ) 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

I previously disputed an account on my credit file that was incorrect, reported by TSI ( Transworld Systems , Inc ) on behalf of XXXX XXXX. After a lack of results from my dispute attempts, I contacted TSI directly and advised them of the situation with this account : I believed this account was paid in full, as I did not receive a final bill from XXXX XXXX. Because of the alleged amount due, I believe that the service continued to be billed at my former address after I cancelled the service. Supervisor XXXX XXXX of TSI advised that she would contact XXXX XXXX to relay the dispute information, in an effort to come to an agreement on deletion of this account from my credit report. She followed up with me two days later and stated that XXXX agreed to delete the account if the payment was made. At this point, I just wanted it off my report, so I agreed ( even though I still believe that the balance is extremely inflated ). I paid the balance in full, and on XX/XX/2020 received a letter from TSI ( attached ) which verified that the account would be deleted from all three credit bureaus. Instead of honoring this agreement, TSI merely reported that the balance was paid in full - resulting in the collection being reactivated and lowering my score substantially. I contacted TSI again, and was told by a representative ( who claims to have called Supervisor XXXX XXXX to verify ) that TSI requested that the account be deleted, but that the credit bureau has the final say on how it is reported. I then contacted the credit bureaus who advised that they reported it as TSI requested it, as a balance update. They stated that they have no authority to determine what is reported or deleted, that they must report as the collection agency advises. I feel that TSI provided fraudulent advisement in an attempt to collect a debt, blatantly lying about what would occur once the payment was made.
Product: Mortgage

HARRASSMENT Second attempt of foreclosing on me while I am on XXXX Forbearance related assistance program. 

This is a federal VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, i purchased a dress from XXXX with the amount of {$86.00} and i paid off the balance next day at local XXXX XXXXs store. After two weeks, i returned the item and ended up have negative balance in my store credit card and my statement. I then did not make new purchase until XX/XX/XXXX. I always noticed that i have a negative balance in my account. I already tried to call the company more than three times and they always told me that i should receive a phone call from their back office regarding to my balance. The customer service agent told me that they had mailed out a check in XX/XX/XXXX and it had cashed out. But i never the check. They do not have an estimate date when the back office personnel will call me and they do no have a phone number of their back office which i will never know when should expect the call. They told me to call every other week to follow up my case. Which i did, but i never receive any updates. What they told me was they are still follow up my case. I am tried of getting the same answer.
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 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 Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Student loan

Navient informed me on XX/XX/18 that my student loans were getting ready to be in default. I have been making monthly payments of the set amount agreed upon. I have not missed a payment. They informed me that my interest rate had gone up ( something which I was unaware of as I have not received a phone call or statement in the mail ). This increase has made my monthly payment increase and as a result, I am now past due ( which I was also unaware of as they have not phoned me or sent me mail ). I asked for my co signer to be taken off the loan and they told me that I have to make a year of payments on time before I can qualify for this. I have made a year of payments on time but was unaware of my interest increase so now I don't qualify for that. This is unacceptable.
Product: Credit reporting or other personal consumer reports

15 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 TransUnion, XXXX & XXXX 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. TransUnion, XXXX, XXXX 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 entities involved.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Account Name : XXXX - XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( Letter 1 dated XX/XX/year> ] and Letter 2 dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : Account Name : XXXX - XXXX  Present below the inaccurate information persistently affecting my credit report.
Product: Debt collection

In my XXXX XXXX account this agency is being shown in collections and I do not know what it is for. The company also has not sent me anything regarding what the debt of {$1600.00} is. I need this collection removed from my credit report.
Product: Prepaid card

I never received original issued debit card that XXXX deposits my XXXX check as well as my daughter whom I the payee for. By the time I got in touch with Direct express the debit card was wiped of everything on it. I immediately filed a dispute with direct express whos now saying itll be XXXX days to get our funds back. My daughter and grandkids are facing eviction if direct express doesnt expedite this issue. All purchases made using the card were done in person in XXXX XXXX where I dont even reside
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed help paying my student loans so called Navient to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.
Product: Money transfer, virtual currency, or money service

I 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 in Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible in that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, Leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 sa 715,719, I presume that no proof of the alleged debts nor therefore any such debts, in fact therefore exists. 
{$220.00} debt from CREDIT COLLECTION SERVICE XXXX XXXX XXXX in company ) and XXXX XXXX XXXX XXXX Other for {$380.00}. 
Those two messed up my credit score every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Data Reporting on my credit report
Product: Bank account or service

I have a couple of credit cards with XXXX for several years. And, has another XXXX with XXXX For 3 consecutive months I noticed that from my XXXX checking account was withdrawn {$220.00} for XXXX/XXXX/2016, {$220.00} in XXXX/XXXX/2016 and {$220.00} in XXXX/XXXX/2016. 
The above withdrawals was described as " External withdrawl XXXX XXXX XXXX Ext trnsfer ''. After contacting XXXX, I was informed that the XXXX ( XXXX ) withdrawals was by United Recovery System ( URS ) with XXXX phone no. 
I feel that my consumer rights are violated by URS by electronically withdrawing my money with out prior notice. And, my XXXX checking account was penalized with overdraft and other fees. 
The URS in other words financial stole/hacked my account since the are able to discover my XXXX account with authorization. 
I trust the CFPB will look into this matter and am thankful for the protection CFPB has delivered to the victimized public like me a XXXX year old retired senior citizen living on social security pension and still raising a family. 
Respectfully yours, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express declined my application for a XXXX Credit Card on the basis of 'too many new accounts '. After walking through my credit report and detailing the number of new accounts and the timeline of opening these accounts, company representatives have explained this 'does not seem like too many accounts ' - therefore bringing into question if this was inequitable / discriminatory consumer lending practices. I would like American Express to explain, quantifiably, how many accounts over what period causes a decline in order to match this information with my credit report and see if this was equitable or not. 

Recommended solution : 1 ) Appeal and manual review of the application, 2. ) Contact from American Express outlining its policies that quantifiably explain the rationale for decline ( equitably ), and/or 3. ) company retraction of hard inquiry from my credit report.
Product: Debt collection

XXXX, 2021 I reached out to the three credit bureaus requesting the latest updated version of my credit report, after reviewing my credit profile I noticed an erroneous creditor ( One Main Financial ) jeopardizing the integrity of my credit profile, by law if the FCRA I have the right as a consumer to challenge any information thats does no appear to be accurate so I sent in a letter via asking that this information pleased be removed on XXXX from my credit profile I sent the letter to the direct furnisher asking that this account be removed do to its inaccuracy, after days gone by, I received correspondence on XX/XX/2021 saying that the letter didnt provide sufficient information to investigate, so I submitted another request in addition to get a resolution for this erroneous account, unfortunately I was unsuccessful again for the second attempt, I got replied the same response as before so I Battled with this furnisher for months going back and fourth getting nowhere wasting time, energy and money that I did not have in a spike of a pandemic jeopardizing my health and families, Till finally I received a letter stating that they had a chance to investigate this matter and made some adjustments and modified the loan and switched information around that they reported accurate in the past! So how was this information verified accurate in the first place? Before investigating this information I was told this information was verified accurate, which was contradicting to themselves and also I notified and disputed this account with the Credit reporting agencies figuring Ill at Least get a fair investigation, upon a additional 30 days unfortunately I had no luck and was giving the same contradicting response as the furnisher I feel the three CRAs have not only violated my rights as a consumer with what they have allowed this furnisher to report on my credit profile putting me and the integrity of my credit at great jeopardy but also they have violated FCRA LAWS with being non compliant and as a Consumer I feel the proper actions should be taking against them. A few months went by and I received a letter from a new creditor name ( XXXX XXXX XXXX ) that I had no acknowledgement of requesting a unknown debt to be paid I challenge them and they stated they now manages the old Creditors account under a new business name because the debt was sold to them which I never gave any consent or authorization to do business with this new creditor in the first place not even verbally so how can you say a debt is mines?? so when I challenged this issue with them they told me they will no longer reinvestigate and that the collection will remain on my credit report which is very unfortunate. I have been going back and fourth with this creditor that I have no acknowledgment of and its not getting nowhere. I have invested time and money into this battle I have proof of XXXX receipts, Im asking that you please remove this account off my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed several hard inquiries I did not give my consent to, I also reached out to the lenders and they could not give me any information.
Product: Debt collection

Just checked my report and noticed a debt in collection from someone or company that I 've never heard of before in my life for a debt amount I have no clue about. Need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute the following information on my credit report. I am writing to delete the following information on my credit file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make these charges to such accounts. I ask that these items that are inaccurate on all three reports be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity Theft affidavit.