23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to dispute the presence of a paid and closed mortgage loan account on my consumer reports. As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( a ) ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report.

Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This includes my social security card, drivers license/ID, and license plate, which were used for the extension of credit.

By including the paid and closed mortgage loan account on my consumer reports, you are willfully noncompliant under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.

Furthermore, the GrammLeachBliley Act 15 USC 6802 states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information without clearly and conspicuously disclosing to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
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 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 infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had 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 card or prepaid card

I received a statement today with a late fee and interest. I didn't receive the prior statement. As a long term customer I never paid late on this or other accounts. Since I didn't receive the payment and paid the prior amount due ( without interest and fees ), I would like the interest and fees reversed. 

I spoke with XXXX, a manager, ID XXXX and he refused to help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the provisions under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach and, as such, the inclusion of these accounts and inquiries on my credit report is fraudulent and unauthorized. 
The details of the accounts and inquiries I am requesting to be blocked and deleted are as follows : Accounts : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX o Amount : {$680.00} Inquiries : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I want Financial Asset Management Systems to stop calling me, to stop sending me letters, and to stop trying to communicate in any communication form with me. If I need to speak with Financial Asset Management Systems I will call them. If I need to make a payment I will call them to make a payment. Otherwise I do n't want Financial Asset Management Systems to contact me. XXXX has hired Financial Asset Management Systems to collect on a private student loan however Financial Asset Management Systems has repeatedly and flagrantly violated the Fair Debt Collections Practices Act with their illegal and deceptive practices. In addition, my student loan debt has more than tripled as a result of XXXX using debt collectors who flagrantly violated the Fair Debt Collections Practices Act. XXXX adds excessive interest and collection fees whenever they change debt collectors on a loan. As a result of XXXX illegal practices of adding illegally excessive fees and collection costs my loan has XXXX in balance from a start of {$24000.00} because XXXX has intentionally and flagrantly added illegal fees and collection costs to my account which has ballooned the balance to an unconscionable level.
Product: Checking or savings account

Spoke with Marcus about our account CoD being charged taxes and then not getting the interest on the taxes withheld. First they said it was because we did not sign the e-signature, then they found the e-signature. Then they said the IRS requested it because of a 1042-s but we are not foreign born nationals so that makes no sense. Then they said it was IRS requested but we have multiple CoDs with them and none of the others are being asked to withhold taxes. We also requested that Marcus provide us documentation of any communication from the IRS around the requirement to withhold taxes on our account. They told us we needed to call the IRS and provide them proof we are not required to have taxes withheld.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX )  erroneously sent my account to collections without attempting to bill my insurance. The account was cleared after I contacted the company ( XXXX  ) but did not close the collections account with one of the two collection agencies they used to collect the erroneous debt and will not close the account with Ability Recovery Services who is refusing to close the account until they are contacted by XXXX. XXXX refused to give me any documents related to my account showing the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to delete derogatory remarks from my credit report. I have provided documentation proving that other credit bureau have deleted the collections. On my XXXX report I have no collections whatsoever. this is affecting my life my credit score is XXXX with low utilization and I want to buy a home. I can not move on due to this affecting my score. 

XXXX XXXX XXXX & XXXX
Product: Money transfer, virtual currency, or money service

I advised that money was sent incorrectly There is not a live person to speak with, they automatically denied the claim without getting facts
Product: Credit reporting or other personal consumer reports

I submitted the documents that are attached and the credit bureaus said they verfiied it but only the courts do not verify information with credit bureaus even the XXXX ones like XXXX XXXX. XXXX and Transunion said they verified this information which can not be true because the XXXX XXXX Courts do not do this.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I KNOW WHY BAN 180 DAYS  LINKED MY PAYPALXXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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

In accordance with the Fair Credit Reporting act XXXX Account # 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: Checking or savings account

I have had a Chase college checking account since XXXX, that Chase just closed today without any notification to me, nor any explanation for the closure. I opened this account as a joint account between myself and my father as I was XXXX years old at the time. On Wednesday, XX/XX/XXXX my father and I discussed and agreed upon removing his name from my account as it is no longer necessary and he is not interested in managing my account. We live in different states, and with my permission, he went to his local branch on XXXX XXXX in XXXX XXXX, NJ, and spoke with a banker about removing his name. They called me on the phone while they were there, received my information and approval, and told me to come in at my convenience on a later date to sign something certifying my father would be removed. I did just that, but upon showing up was told my account was frozen and they could not tell me why. Since it was a weekend just before closing, they advised me to show up to any branch location on a weekday and they'd be able to resolve and open my account back up. I did just that today XX/XX/XXXX, and was told the back office elected to close my account without explanation. I was told I was not going to receive any explanation of why my account was closed, and that I would be able to open any other accounts with Chase. I have never committed a crime, been a victim of fraud, neglected to pay a fee or bill, and my credit score is excellent, over 800 points. Like I said, I was given zero notification of the closure of my account. They did not give me any prior warning so I could adjust by opening an account elsewhere so I'd still be able to pay my bills. Just silently closed my account. This is outrageous, inconsiderate, and incompassionate.
Product: Debt collection

I was contacted by XXXX 's collection company " CREDIT MANAGEMENT LP '' in XXXX about this supposed debt " on my name ''. I've never been a XXXX client. I informed them there was no possible way the debt was mine, but they insisted it was my account ( it's not ). They've somehow provided my full social security number, but incorrect date of birth, when I asked to verify the account info. I informed them again that the debt was not mine, I have never been a XXXX client, and that the debt was from someone else. I've had a similar situation before where they tried to collect my father 's debt, who has the same name as mine, from me. The situation was escalated all the way to XXXX, who eventually removed the debt collection from my name. But this time, they somehow had my social security number attached to this debt, despite the fact I've never been XXXX 's client. I have a feeling CREDIT MANAGEMENT LP is commiting identity fraud against me to try to make me pay a debt I do not owe. I disputed the account with XXXX, but they have refused to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint to EXPERIAN for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an account I have no knowledge of on XXXX because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX ACCOUNT : XXXX
Product: Checking or savings account

My name is XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; and my deceased mother, XXXX XXXX, and I are the victims of identity theft of over {$400000.00} in wire fraud through BOA and XXXX XXXX XXXX XXXX by a XXXX XXXX XXXX and partners, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL. I have fourteen cell phones and ten laptops containing XXXX 's split-screen over-lay algorithms and malware for the BOA and others which I repeatedly reported when filing claims for identity theft and fake companies using my debit card. BOA lax investigations accepted fraudulent documents with forged signatures, fake statements, and approved the transactions. I was never contacted by investigators, not allowed to speak with the BOA legal department, and never permitted to present evidentury materials during any of the investigations. I posess a surname list containing thousands of XXXX 's FL victims and proof of a national identity theft syndicate/ring using malware on U.S. banking institutions. I am seeking representation for a case that will prove FDIC fraud and support a class action lawsuit with the proper forensic analysis of my claim. Please contact me for additional information. BOA is abusing their clients, committing FDIC insurance fraud, and allowing identity theft due to lax investigations! Please contact me, XXXX XXXX, XXXX.
Product: Debt collection

I am disputing a debt reported by National Credit Systems Inc. on behalf of XXXX XXXX XXXX XXXX. The information provided to me is incomplete, lacking necessary documentation and proof of authorization, which are required by law. By failing to provide proper validation, National Credit Systems is potentially violating the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S.C. 1692g, which requires them to provide validation of the debt. Also, reference the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that any disputed information on your credit report must be accurately validated. I requested FULL disclosure of their authorization, but this was not provided.

National Credit Systems Inc. has failed to provide a signed lease agreement or a signed final account statement, which are necessary to validate the debt. Furthermore, they have not provided proof that they are legally authorized to collect this debt on behalf of XXXX XXXX XXXX XXXX. This failure to provide valid documentation violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Attached are copies of the correspondence between myself and National Credit Systems Inc., which highlight the lack of signatures and the absence of proof of their authorization to collect the debt. 

I respectfully request a thorough investigation into this matter. The unresolved issue is negatively affecting my credit profile, and I seek a prompt resolution in accordance with federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX | XXXX XXXX Hi XXXX. My name is XXXX. I hope you are doing well. 
We have noticed the transfer into your Revolut account from " XXXX XXXX '' for the amount of " {$2700.00} ''. We will need to confirm a few more details as a routine check regarding this transaction. Could you please provide us with the following : 1 ) Purpose of the transaction ; 2 ) Proof ( invoice ) of the transaction ; Many thanks XXXX | XXXX XXXX XXXX It's my paycheck XXXX | XXXX XXXX XXXX As far as proof I don't know what proof you would need it's payroll... 
XXXX | XXXX XXXX XXXX XXXX. This is as part of our standard security measures and as a XXXX XXXX XXXX regulated firm, we are asking for this information for verification purposes. This applies to all of our users and is necessary to fulfill our legal obligations and for your future transactions. 
The proof could be any supporting document ( invoice. 
receipt ). Thanks. 
XXXX | XXXX XXXX XXXX But there is no invoice or receipt.. it's my salary Thank you so much for waiting and for staying on the chat. 
I really appreciate your time. Kindly allow me to inform you that I have submitted the case with all the required details. 
Now the case has been forwarded for further process to our escalations team. Hopefully, it won't take long now. 
This case should be moved to a faster conclusion and as soon it will be resolved then you will be notified. Thank you for your patience and have a calm day! 
XXXX | XXXX XXXX XXXX Thank you... I think... never heard of suck a thing ... my wife got her check no problem XXXX | XXXX XXXX Hi XXXX! My name is XXXX, I picked up this chat from my colleague and I want to start by appreciating the time you spent waiting. I am here to assist you today, so please give me a moment to check everything and I will do my best to come back shortly with a reply! 
XXXX | XXXX XXXX Kindly allow me to inform you that I have submitted the transfer with all the required details. Now the transfer has been forwarded for further processing to our Transfer team. Hopefully, it won't take long now. Our team is currently working on this with top priority. This case should be moved to a faster conclusion and as soon as possible, I have requested priority for your case. 
XXXX | XXXX XXXX XXXX Is there any update on this and is it going to prevent me from receiving my available funds tomorrow? 
XXXX | XXXX XXXX I'm sorry for the inconveniences, we do everything in our power to finish the transfer, as fast as possible. As soon as we have any further information we will get back to you. 
is XXXX | XXXX XXXX I have created another regarding your concern for declined transactions. My colleague will be assisting you there better. Thanks! 
XXXX | XXXX XXXX  And regarding the transfer with " XXXX XXXX  '', our Escalations team is working on it as we speak, I will be updating you here on chat once they have any further details. Thanks!
Product: Student loan

I consolidate ALL of my student loans XX/XX/2015 and was previously with XXXX. I had an outstanding loan with XXXX College which was paid in full once my loans were consolidated. For some reason XXXX is still reporting negatively on my credit reports. Now that my loans have been consolidated with FedLoan, I was advised to apply for an Income based repayment plan which resulted in over {$800.00} a month which is not financially feasible for my family size and monthly financial obligations. Is there something that can be done. I am trying desperately to clean my credit and these loans are out of control at this point.