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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX  XXXX - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account .I spoke to XXXX XXXX executive office Miss XXXX and she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references .He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicted have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account.I spoke to XXXX XXXX executive office Miss XXXX she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references.He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicated to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.ed to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX  opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # XXXX.
Product: Credit reporting or other personal consumer reports

I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX  that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ). 

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.
Product: Credit reporting or other personal consumer reports

he reporting of these account ( s ) is/are violations of 15 USC 168la , The Fair Credit Reporting Act [ 15 USC g1681 ( 0 ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these account be deleted right away from my consumer report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern and dissatisfaction with the handling of a recent dispute I raised regarding a transaction on your platform. As a long-time user of Zelle, XXXX have relied on your service as a primary method of conducting transactions. However, my recent experience has raised significant concerns about Zelle 's ability to effectively address disputes and ensure the safety and security of my funds. 

Despite reaching out to Zelle customer support regarding my claim, I was informed that my dispute is " untrackable '' and " unfeasible '' to investigate. This response is not only unsatisfactory but also deeply troubling. As a customer, I expect a thorough investigation and resolution process for any issues related to my transactions, especially when there is a potential error or fraud involved. The lack of accountability in this situation is unacceptable and undermines my trust in your platform. 

Furthermore, in light of recent lawsuits and public concerns raised by the Consumer Financial Protection Bureau ( CFPB ) regarding issues with the Zelle platform, I am becoming increasingly worried about the safety of my financial transactions. The lack of transparency and a clear dispute resolution process has left me questioning whether my funds are truly secure when using Zelle. 

As a loyal customer, I request that you take immediate action to address my concerns and provide a clear, actionable response. Specifically, I expect : A thorough investigation into my dispute and a clear explanation of why it is being considered untrackable or unfeasible. 
A detailed outline of the measures Zelle is taking to improve dispute handling and ensure customer funds are protected. 
A direct point of contact for further communication on this issue, with a commitment to resolving the matter in a timely and satisfactory manner.
Product: Debt collection

Senex services has been paid in full and they refused to remove their derogatory remarks from my credit report.
Product: Credit reporting or other personal consumer reports

I believe that my personal information has been reported to your database without my explicit consent or authorization, which constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, LexisNexis and XXXX have failed to secure my consent or provide required disclosures related to data collection and sharing. I request immediate rectification of these violations as outlined below.

Violations : Unauthorized Collection and Reporting of Consumer Information Under 15 U.S.C. 1681b, a consumer reporting agency must have a permissible purpose before collecting or reporting consumer information. LexisNexis and XXXX have collected and reported my personal data without a valid, permissible purpose, in violation of the FCRA.

Failure to Provide Required Opt-Out Disclosure and Privacy Notice Under the GLBA, 15 U.S.C. 6802 ( b ), financial institutions and related entities must provide consumers with a clear and conspicuous notice of their right to opt out of information sharing with non-affiliated third parties. In addition, under 16 CFR Part 313 ( Regulation P ), these entities are required to provide initial and annual privacy notices to inform consumers of their data-sharing rights. LexisNexis and XXXX failed to provide me with any such notice or opt-out option, violating both 15 U.S.C. 6802 ( b ) and 16 CFR 313.7 and 313.10.
Product: Debt collection

This is not my debt I didn't make these charges This is making it to where I cant get my new home Please remove and delete
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data
Product: Credit reporting or other personal consumer reports

Per my last complaint sent through the CFPB we are homeless and our home located at XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX had excessive fraud our names were forged and over 20 loans were taken out on the home, The XXXX COUNTY JUDGE XXXX XXXX and other judges were involved with XXXX XXXX XXXX. and stole our home and allowed persons from XXXX to just take the home. There was no Perfection of Service. This part was even fraudulent. 

WE WANT IMMEDIATE CLARIFICATION REGARDING THE FOLLOWING : 1, WHO WAS THE DEBT HOLDER DURING THE LIFE OF THE FRAUD LOAN? 
2. WHO WAS THE TRUSTEE OF THE ACCOUNT FROM WHICH THE LOANS WERE TAKEN FROM? 

XXXX CIVIL CASE NUMBER XXXX
Product: Debt collection

Midland credit have used deceptive collection tactics to try to trick me into paying an allege debt. 

They have also threatened to take a legal action against me in the past. 

I have requested a copy of the original credit card agreement ( with the dispute resolution processes ) from the original creditor but they have refused to send it to me.
Product: Credit card or prepaid card

On XX/XX/2020, I mailed them a Request for Refund in the amount of {$11.00}. On XX/XX/2020, I used a FREE ATM Machine of theirs ( according to their website ) and obtain {$100.00}. Their website stated that this particular ATM was theirs and no fees would be charged. When I obtained the {$100.00}, the machine did not alert me of any additional fees charged if I received this money. On XX/XX/2020, the credit card company charged me a fee of {$10.00} and added interest fee of {$1.00}. As of today, XX/XX/2020, they have not responded to my complaint, but they have charged me an additional interest fee of {$1.00} ; bringing a total of {$12.00} in erroneous fees. 
I should not have to pay any fees or interest on ATM machines that are theirs.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize their inclusion. Please address this promptly.
Product: Checking or savings account

I have been requesting TD Bank North and XXXX to assist with Frauduent activity from a Crytocurrency scam. I have made all the attempts to file complaints to the FTC and Internet Crime Complaint center. I have not heard from either of these companies about my complaints. 
I sent XXXX  money on XX/XX/21 for XXXX and XX/XX/21 XXXX to TD Bank North I sent XXXX  money on XX/XX/21 {$1200.00} and XX/XX/21 XXXX I was scammed by a site called pristinefx.com who asking for more money to beable to release my funds. 

I sent the money through XXXX. I had to set up my account on Changelley to be able to send money through XXXX. 

I am unable to access the money through the plateform to obtain my funds as the scammers sent it through many ways and withdrawn. 

I understand XXXX policy, however they are regulated and have to verify these people through the app. to assure they are following regulation for trading. 

My banks are siding with XXXX  as they are stating they provided a services, however the services they provided are with fraudent providers. My bank should protect my funds through these plateforms and they have not pursued it on behalf. 

I've attempted the correct people, however, since my investment is a lower amount, I have heard it is not a priorty. 

I have lost XXXX through this investment and I am unable to claim it as a lost as no one will help attain this money.
Product: Credit reporting or other personal consumer reports

I recently look at my consumer report and notice that i have inquiries on my report that doesn't belong to me and was recently denied credit because of this Please remove them asap with in XXXX business days : EQUIFAX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

{$8000.00} is due to me based on the Fair Credit Reporting Act 15 USC Subsection 1681. Statutory damages, Civil Liability and Willful Non-Compliance. I want my money in XXXX  days or I am filing a small claims in court.
Product: Debt collection

The mortgage company continuously shared my financial information with a third party with an obvious intention to force a pending payment in direct violation of the consumer privacy protection act.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**3rd and FINAL NOTICE AND COMPLAINT BEFORE LITIGATION! ** There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Which is reporting on my credit reports with XXXX, TransUnion, and XXXX, which needs to XXXX removed immediately. I was late due to me being sticken with XXXX and have been sick for the times up to the last late recent late payment, which was in XX/XX/XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( XXXX ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Also, I have proof of a letter from XXXX XXXX XXXX XXXX that they would remove the late payment from the XXXX, TransUnion, and XXXX, but failed to remove it. This is my last and final time discuss and complaining about this important matter. My next solution will be taking it through the Court System and seeking damages through litigation. Thanking you in advance for your cooperation. Please see attachments and proof that XXXX XXXX XXXX XXXX would remove the two late payments from my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I linked my bank to Crypto.com and purchased {$100.00} in Bitcoin. I chose the instant transfer method, which appeared to let me access my cryptocurrency immediately. While I was able to purchase {$100.00} in Bitcoin, it was essentially locked in my account and is still locked in my account as of XX/XX/XXXX. That is a total of 12 days, or 8 business days. It was not clearly visible to me prior to making the purchase that the Bitcoin I purchased would not be available to me to transfer to an external wallet. It was deceptive in the name of the type of transfer and in the way that the business is holding my money hostage, essentially. 

I made further purchases with my debit card, which allowed me to access my bitcoin instantly. While the original {$100.00} was still frozen, I could transfer the debit card purchased bitcoin. I made multiple debit card purchases without issue. Today, XX/XX/XXXX, I purchased {$150.00} in Bitcoin and initiated a transfer to an external wallet. Minutes after, I received an email letting me know that my account was disabled while they verify that I own the card I'm using on their site. What's interesting is that the purchased bitcoin is still in my account, it is just frozen with the original {$100.00}, meaning Crypto.com is holding {$250.00} of my money and will not let me move it. Representatives for Crypto.com have been extremely incompetent and unhelpful throughout the process. I have verified my identity with Crypto.com twice, they have approved my verification documents and there is no issue there.
Product: Mortgage

My XXXX XXXX mortgage Loan service was transferred to Nationstar Mortgage XXXX d/b/a Mr. Cooper on XX/XX/2018. FHA XXXX XXXX loan is negligent on transferring my loan to a servicer with a history of consumer violations and penalties. Mr. Cooper the new loan servicer has not contacted me about any such transfer or what account to pay my mortgage to. Without refinancing I want this transaction voided. I have not even made my first mortgage payment to Mr.Cooper and they already violated my consumer rights by not contacting me within 30 days of the XXXX letter notice I received dated XX/XX/2018.