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

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I closed the credit card inXXXX. I just closed the checking account to end my relationship with Truist. The credit card showed up on my account. I have made several attempts to have the account closed over the last 60 days. The representatives state that a manager will have to close the account. The account never closes.
Product: Mortgage

On XX/XX/2023, I was charged {$50.00} for fees and charges by Mr. Cooper, AKA Nationstar. I looked at the statement and saw that the charge was based on a reversal-payment on {$1600.00}. 

XX/XX/2023 - I called twice and the customer service rep was initially polite and when I insisted on reversal, the tone was hostile. They did not seem to know why there was a charge. 

XX/XX/2023 - Second call, the customer service rep said my account had insufficient amount which is not the case. I have evidence of amount in account. She suggested I call the bank to verify. Called the bank on XX/XX/2023 to verify. Bank said that there was sufficient amount to handle the charge. 

I wrote a request through their customer service line and they have not responded. Based on my earlier conversation, i do not see this company reversing the charge.
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. 

XXXX XXXX XXXX XXXX XXXX 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 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

I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this XXXX have on my XXXX XXXX and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they XXXX have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX  and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you XXXX be able to provide.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late payments on my credit profile There are procedures to furnish late payments and must be compliance with the law under Timing of payments 15 u.s.c. 1666B clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason procedures design to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

1. I requested information from 1637 ( b ) 2.I requested mail tracking number that was not provided 3.mail or delivered 21 days or less 4.Periodic statement was not provide 5. 15 usc 1681 s-2 Negative information law requirement I requested information from 1681a ( p ) states Negative information notice must be provided to the consumer thirty days before or after the negative account been reported to the consumer credit report I never got the negative notice Portfolio Recovery is in violation 15 usc 1681N willfully non compliance civil liability I put the company on notice they fail to investigate my disputes violations under 15usc1681i
Product: Credit reporting or other personal consumer reports

Equifax continues to furnish unknown XXXX XXXX inquiries dated XX/XX/XXXX & XX/XX/year>. I was told that they were removed months ago.
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 Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX 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 statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The accounts listed below are still reporting on myCredit Reports and need to be DELETED immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, my account was charged {$1900.00}, which was processed using a forged signature. As of XXXX, this account has been classified as charged off and written off ; however, it continues to be reported actively. I recently contacted the company to request a 1099-C form, considering the account is now closed. I was told to follow up with them during the next billing cycle for more help.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies The laws in effect on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCONSUMER CREDIT PROTECTION 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information
Product: Debt collection

I had an unsecured credit card debt with Citibank more than 20 years ago. I asked my mother to cosign so I could build my credit. The credit limit was probably not more than {$1200.00} maybe {$2000.00} XXXX. I hadn't paid the on the bill for years. It was due to be removed from my credit files. Suddenly my mother started getting harassing letters and threats of a lawsuit for my unsecured credit card debt. My mother was dealing with failing health then and is now battling memory loss and XXXX stage XXXX XXXX. She is XXXX XXXX XXXX and currently in foreclosure due to a bad mortgage deal with XXXX  XXXX. I am her POA and am trying to save her home. I see where XXXX XXXX or debt buyers has placed a lien on her home for over {$25000.00}. When my mother was subpoenaed to court over a credit card that wasn't even hers, I was by her side. We hired a lawyer that did nothing to represent us. This debt was due to fall of my credit report and they went in and said there was a payment made which started the collections back over so they could sue my mother because she has assets. It's not right that they were able to get away with this. My mother didn't know what was even going on or why she was being sued. In court the lawyer didn't bother to object to this company making a false statement that a payment was made. There was no record of a payment coming from my mother 's account or no proof at all. They were able to get a judgement against my mother for my credit card debt. I had also filed bankruptcy and it should of been XXXX. I want to know how it is even possible to be sued for an unsecured credit card debt. There has to be laws against people taking advantage of unsuspecting seniors. This credit card was probably sold to them for pennies on the dollar. They took advantage of my mother. She is not well and this stress is killing her literally. She as well as my dad have been dealing with severe stress and failing health since. I would like this situation investigated as I was the card holder and it is effecting my parents ability to have a decent place to stay. There has to be a burden of proof as well as truth. I reached out to you several months ago regarding my mother 's mortgage with XXXX for guidance. She is now in foreclosure. This was an absolute shock and a slap in the face. This matter needs to be investigated and the lies needs to be removed from my parents home. I am reaching out to the attorney General and want to see if there was some type of improper relationship between the judgement and this company. There is absolutely no way this could be legal. They are wanting my parents who are on a fixed income with declining health to pay them {$25000.00} for my unsecured credit card debt. I don't know how to have this investigated with the courts but I'm willing to take it to the Supreme Court. As citizens we are all entitled to justice. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to Experian at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from Experian on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that Experian updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that Experian did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My disputes have never been frivolous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are all reporting different balances across all 3 bureaus tell me how thats accurate and how all 3 bureaus can possibly say that these have been verified???? Its NOT possible! The other accounts are reporting balances that I just simply do not owe these all need to be immediately deleted! 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION XXXX
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 Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Student loan

I made two payments for my student loans with Ed Financial on XX/XX/2022 and XX/XX/2022, each for {$1000.00}. After reviewing my payment history recently, I saw some of the funds from each payment had been applied to the wrong loan group. It took me several weeks just to get in contact with someone from this company, and when I finally did, I was able to have a request submitted to fix the issue. The customer service rep quoted me 3-5 business days to resolve the issue. I then call back after that amount of time to confirm they were still fixing it, only to be quoted 150 business days. The rep said that due to a system error on their part back in XXXX, they incorrectly applied funds to a lot of people 's accounts and are now having to fix it, thus the long wait time. An error on such a scale is cause for a reevaluation of how this company is working internally. Especially when this literally is a misplacement of millions or even billions of dollars.
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union concerning the assessment of multiple overdraft fees that have been applied to my account. I assert that these fees were charged in error, as I maintained sufficient funds at the time my transactions were authorized. Unfortunately, due to delays in the posting of charges and credits, I was subjected to these overdraft fees. 

This matter is consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which has identified similar practices by Navy Federal, wherein transactions were settled despite initially available funds. I consider these practices to be unjust, and I request a comprehensive investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit with XXXX XXXX through Transunion and XXXX reports. On XX/XX/XXXX my FICO score with Transunion was XXXX, on XX/XX/XXXX it dropped to XXXX. On XX/XX/XXXX it was XXXX with XXXX, XX/XX/XXXX dropped to XXXX. There had been no significant changes to any of my credit accounts. On XX/XX/XXXX I used XXXX XXXX to check on personal loans to consolidate credit card debt. It states this does not affect your credit score. Several offers were returned. I received an email from one lender stating there was a negative account in my file and they were not offering a loan. On XX/XX/XXXX I received a credit monitoring alert from XXXX XXXX XXXX for which I had signed up due to their credit breach. I have a charge off /closed credit account with XXXX/XXXX from XX/XX/XXXX. This is the only negative on my report which was factored into my credit score 5 years earlier. I called XXXX. The representative told me XXXX   had made a remark on my report and that is why XXXX dropped my score and subsequently Transunion also. I filed disputes with all three agencies but they did not seem to understand my concern. Why did the soft inquiry that is not suppose to affect my credit do this? Why is my credit score being significantly dropped again when it was already affected by this 5 years ago? On both my credit reports I have 100 % payment history and 0 derogatory marks.
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. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called several times to update my birthday with no ability to reach a representative who can help me. I've used the automated system several times and it never prevents me with the options I need. When I ask to speak with someone, the system tells me NO and hangs up.
Product: Debt collection

This company did not provide me any about this debt. At this time I had insurance and also Medicaid. I provided the comps with proof and also the facility should have paperwork
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION THAT WAS BUILT ON XXXX, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3 months, randomly spread throughout 2 years now, Upstart has said I've paid late but it won't be reported to credit bureaus. And when I checked XXXX XXXX my credit score has taken a HUGE HIT due to this. I've made payments on time. Do not go through these people they will try to over charge you anyway they can!
Product: Credit reporting or other personal consumer reports

I spoke with a XXXX representative yesterday and asked her to fix my birthday, remove all old addresses and phones numbers, remove a hard inquiry that I did not request and could have not requested because I was XXXX  at the time. 

The inquiry is from XXXX on XX/XX/year>. I was XXXX  from XXXX. She switched my present address with my former address. Now I have the incorrect address on file. I filed XXXX disputes XXXX for the incorrect birthday. I believe the other was to remove all my prior addresses and phone numbers. 

I also asked them to remove an alias name that I have never used before that was incorrect and she told me to contact the merchant that put it on there. They denied both of my disputes even though I uploaded my state ID with my current address as well as my birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX for XXXX XXXX pulled my credit file.I have alerts set up on my file, and receive automatic alerts when something changes. I already have a credit card account with XXXX XXXX in good standing and I just paid it off so I contacted XXXX XXXX  to ask why they pulled my credit? They could not give me a valid reason for having pulled my credit without my consent. I would like the hard inquiry removed from my credit immediately!
Product: Credit reporting or other personal consumer reports

COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH ARE XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.
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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.