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. 

Account Name : 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 or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX Account # XXXX ( XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX ( XXXX ) Account XXXX XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of their dispute process, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. 

Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXX and Zelle failed to thoroughly investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. the CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumers safety.
Product: Mortgage

Company has failed to refund escrow balance past 20 days. Currently sitting at XXXX days with no escrow refund check, company has been vague, ignored, and been misleading as to when/if they will reissue. 

XXXX rep XXXX XXXX was particularly misleading and stated the company is under no obligation to meet any regulatory timeline to refund.
Product: Credit reporting, credit repair services, 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 Account number:XXXX  has violated my rights. Or 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

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXXand XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

Equifax of all the credit reporting agencies is wildly inconsistent and unresponsive. Both XXXX and XXXX reflect most closely my XXXX, and payment history. I have attempted to correct it with Equifax with no success and I am not alone. My wife has also experience identical issues. Both our credit scores fell over XXXX points! This came about after we refinanced a vehicle ( with a perfect pay history ) and they had not removed the old loan. Equifax also is reporting inaccurate open credit, and credit I have not signed for. 
Add to this, multiple emails to review my disputes and the site tells me there are NONE. 
There is a clear liability when XXXX credit reporting agency does not reflect reality and is disruptive to my credit profile and ability to borrow or get decent ratesXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an incorrect coding of the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is being coded as an M5 when actually this needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

Hello this is in regards to my previous complaint attempt. I am requesting the sum of a collective amount of money which Ive sent to zelle over the past few months. These series of transactions have taken place between two of my bank accounts to my landlord for house related investments. It had come to my attention that the money was physically given to the owner via my partner and that I request my money through the department. After numerous request made via phone call I have never received compensation which is why now I have report to cfpb in hopes of doing so. Below is attached the payments in which I need compensation. Feel free to get back to me at anytime for more information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my Equifax account and lock my credit report to avoid these things from happening again. 

XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Product: Mortgage

Dear Sir/Madam : Urgent please. We have an ongoing short sale on our property, but morgage servicer has a Trustee Sale put in place on Friday, XXXX/XXXX/15 TS # XXXX, XXXX. This was an issue of Dual Tracking because we have BSI ( XXXX lienholder ) email communication of minimum acceptable price of $ 750K and XXXX XXXX ( XXXX lienholder ) approval, plus buyer 's ratified purchase offer of $ 780K contract with proof of financing. I have attached all documentations. Hoping for your kind and prompt assistance to this matter so we can save our home. Thank you very much.
Product: Checking or savings account

2 week ago I filed 2 disputes and make a police report sent it to chime and they still refuse to reimburse me my money can you solve it I am suppose to pay my taxes with that money 1 dispute is for {$960.00} and one is for {$1000.00}. I have disputed the same two disputes 2 and they say they investigate but their not cause if they was the would find out who stole my card and use it at those atm 's they keep telling me to provide information but the police report is the only information I have
Product: Money transfer, virtual currency, or money service

I am writing to 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 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 has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Attn : Office of General Counsel XXXX XXXX XXXX XXXX, XXXX, IL XXXX Dear sir, I have received one so-called credit report from your company along with other companies, which prepared at one of your branch offices addressed XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. I have already mentioned to the previously sent report from the most likely, same branch, this report has the information about the XXXX  XXXX XXXX. I received one credit-report last year, XXXX, which mentioned other banks and credit card companies not only the XXXX XXXX XXXXXXXX . I would like your company to prepare the right and reliable credit report.

Sincerely,
Product: Credit reporting or other personal consumer reports

I have requested the company to remove the following items below and equifax have refused to do so the other two credit agencies have removed the item but equifax so called say they verified the info. I haw taken the steps to call the company and they said there is no account for me their and that they don't even report to the credit agencies so have could they have verified this information. The following item need to be removed and blocked from my credit report : CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$6900.00} Balance updated XX/XX/2023 Original balance - Account info Account number XXXX And a inquiry from XXXXXXXX XXXX Thank you for your prompt fixing of this problem.
Product: Credit reporting

The credit bureaus are reporting a judgement that was included in bankruptcy and therefore I am being dinged twice for the same item. Once because of bankruptcy and XXXX for the judgement that was included. Also my length of credit is not reported correctly and trabsunion will not give me a credit report because they say I already had a free one in the past year which is not true
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

I keep telling the company that I was suppose to receive XXXX $ from my direct deposit instead of XXXX $ because that is what is shown on my paycheck stub the company refuses to try and help out they just tell me to contact my employer which my employer made no mistake my paycheck was for XXXX $ and that is what was printed on the stub I only ended up getting XXXX $ on my direct deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to the XXXX Account XXXX entry listed on my Experian credit report. I have contacted Experian regarding this entry as well as others requesting viable evidence bearing my signature and how they verified this alleged account without providing the requested proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter form Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After BeforeClose XXXX XXXX XXXX Account Name XXXX Account Number Mobile Home Account Type Individual Responsibility XX/XX/XXXX Date Opened Transferred, closed. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$130000.00} Original Balance {$0.00} Highest Balance 360 Months Terms - Balance Updated - - Recent Payment Am the payment had a 30 day that was only suppose to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The item XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting it as if it were a NEW collection on my credit report. 

A report from XX/XX/XXXX reported that the item charged off on XX/XX/XXXX. Attached is print screen of my online report showing the charge off occurred on XX/XX/XXXX. 

My current report dated XX/XX/XXXX reports the item as Charged-Off XX/XX/XXXX appearing as a NEW collection ; and this is not a NEW collection. My scores dropped as a result of this retaliatory reporting. See attached print screen of my online report. 

Please remove this inaccurate item XXXX from my credit report as it is clear that they have re-aged this item. Re-aging a debt is a violation of the FCRA. 

Furthermore, based on their failure to report accurate information I have no reason to believe that this listing is accurate at all or has ever reported correctly. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.
Product: Debt collection

Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that I did not authorize that need to be removed listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX of XXXX I submitted a request for a refund of payments made during the XXXX forbearance period. EdFinancial agreed to refund my money. However, they have now added the money back to my loan balance without delivering the money back into my bank account. When asked for an estimate on how long it would take, they told me to " be patient '', and that they could offer no estimate. The extra balance in my account is now accumulating interest, while I am left empty handed of the refund. With no estimate on when the balance will finally reach me, this feels like theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX Bank on my XXXX  credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the Better Business Bureau I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, XXXX  is still reporting both accounts.
Product: Credit card

I applied for a BBVA Compass XXXX XXXX XXXX credit card in late XXXX, but my account was placed a hold for unreasonable excuse ( due to bank incapability ) on XXXX XXXX, and I was just told it has been closed. During this time, it severely affected my normal life purchases and ruined my legal right to get cash back from sign-up bonus and bank promotion. Also, it will bring potential notes on my credit report, which would be intolerable. 
I hereby request compensation and a guarantee that nothing negative would appear on my credit report, thanks!
Product: Credit reporting or other personal consumer reports

The following information regarding late payments are inaccurate: XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DEAR JEFFERSON CAPITAL SYSTEMS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


Account # XXXX Amount Owed : {$410.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account # XXXX Amount Owed : {$1500.00} Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am submitting this complaint for myself and there is no third party involved. XXXX is reporting adverse information on my consumer report which they are not allowed to do so. They have no permissible purpose to report any information on my consumer report. XXXX stated that they are not a debt collector even though they attempted to collect a debt, and there is also no finance charge in this consumer credit transaction. Therefore, I am not required by law to pay on this alleged obligation. XXXX has also failed to provide all of the Information required by federal law to validate such debt that I had requested on XXXX XXXX, 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.
Product: Debt collection

On or about XXXX XXXX XXXX XXXXXXXX XXXX apparently sold the debt of the debt of the consumers. From the continuous harassment, phone, calls and emails each and everyday which caused distress, XXXX, and XXXXXXXX XXXX with trying to instill fear. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq ). which became effective XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. 
According to 15 USC 1692 c, Ceasing communication from the " debt collector '' cease all further communication. ( 1 ) only advise the consumer that the debt collectors further efforts are being terminated ( 2 ) ( 3 ). The debt collector known as Resurgent Capital Services. On or about XXXX XXXX, XXXX XXXXXXXX XXXX has sold the account to the reference above collection agency. Neither has communicated with myself as the creditor for the alleged debt. I haven't received any communication regarding the account being sold, nor any information from the IRS regarding the issuance of a 1099c form for the charge off of a debt by XXXX XXXXXXXX XXXX Furthermore the " debt buyer '' Resurgent capital services continued to harass me by any form of communication by mail and electronic communications. Non stop phone calls from many unknown numbers and over 5 to 6 emails received. Both companies have mislead me as the creditor, threatening, bullying and harassing me in any way possible and I would like to be compensated for each individual infraction for XXXX per occurrence, XXXX XXXX was removed from all individual credit reporting agencies the dates of XXXX XX/XX/XXXX and yet Resurgent is still trying to collect which is a big violation per the ( FDCPA ).