23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Jefferson Capital Systems furnished an alleged debt on my Credit File. I requested debt validation along with my request for information outlining their right to collect a debt from me. Jefferson Capital Systems responded by providing information outlining a debt owed to an entire different entity along with a created document from themselves that ( says ) that they purchased a debt and I am liable. Jefferson Capital Systems failure to produce the purchase agreement and or quit claim, in which I specifically requested leads me to believe they are attempting to collect a debt under false pretense which is a violation of the Fair Debt Collection Practing Act.
Product: Mortgage

My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference. 

Equifax : XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from  XXXX XXXX, XXXX
Product: Consumer Loan

I had a personal, unsecured loan with Wells Fargo, which I paid in full well over a month ago. I have yet to receive any sort of confirmation the loan is paid, or a charge-off statement. The loan is still being reported to my credit. When I attempt to contact Wells Fargo, they advise me they have no record of me or my loan anywhere when searching by my social security number. They have intentionally lied to me about which department to speak with, about there being a supervisor in the relevant departments, and about the process of obtaining proof of payment in full. I have also been hung up on anytime that a person is unable to answer the most simple of questions, or when I ask for a person who can resolve this issue directly.
Product: Credit card or prepaid card

To Whom It May Concern, When I applied for a Personal Loan with Synchrony Financial, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that Synchrony Financial engaged in fraudulent behavior ( unauthorized use of credit card )
Product: Credit reporting or other personal consumer reports

Was apart of a class action lawsuit against XXXX XXXX  XXXX for illegal car repos and was awarded money. Was told that they were not to report anything negative on credit report. Car has been paid off since XXXXXXXX XXXX however, still reporting a repossession on my credit report every month and late payments, when the account has been paid off and closed. This must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX Experian XXXX. XXXX  XXXX XXXX Tx XXXX XXXX : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/2020 I sent this letter registered mail and have enclosed a copy of the return receipt which you received XX/XX/XXXX. 

As you are well aware, federal law requires you to respond within 30 days. I understand that the CFPB is relaxing the accountability for the 30 day recepose requirement due to these uncertain times. HOW EVER THE LAW HAS NOT CHANGED. 
It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX Portfolio RC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ). 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Inquiries are not a matter of record when I never gave these companies access to My credit file!! 
According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete. 

The following inquiries are unauthorized.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I put a deposit for a front entry of {$5200.00} with XXXX XXXX XXXX in XXXX NJ. The merchant said the door will take approx 4 to 8 weeks to get installed. 
After numerous calls and discussions and delays the merchant said he can install door on approx XX/XX/XXXX. Merchant came to my home with supposedly my door but cracked the glass. Merchant stated it would take approx 2- 4 weeks to get new glass and the re install. After I called numerous times to see about status the owner could not not give me a date. After more calls and heated discussions for 2 months I decided that I needed to get a refund from credit card company Barclays Bank. I initiated dispute in writing on XXXX XXXX. The bank refunded my {$5200.00} on XX/XX/XXXX and the reinstated said charge on XXXX XXXX stating the owner / merchant proved his side of the case / How is that possible? I still have no door / the merchant never once contacted me about status of order or possibility of completing job! So, XXXX wants me to pay for a product in which I have NEVER received? If the owner / merchant refuses to communicate with customer how is this ever going to get resolved / But I'm out {$5200.00} dollars.
Product: Credit card

On XX/XX/year>, I received XXXX letters from Synchrony Bank informing me that they had closed my XXXX credit cards ( CareCredit, XXXX XXXX, Guitar Center and Musician 's Friend ) because, according to the letters, " Activity on accounts ( s ) with Synchrony Bank indicative of high risk of failure to pay. '' I have never made a late payment for any of these cards, and in fact, I have usually paid the balance in full right away. However, I have not often used these cards and Synchrony previously closed another account I had for a flooring company because I had not used the card. I have received notices for other cards that I have not used warning me it will be closed for inactivity, and I then use it for something if i want to keep it active. When I called Synchrony on XX/XX/year>, the representative first told me that they were closed because of my credit score ( my most recent score is XXXX ). When i challenged that, the rep talked to someone else and then told me that it was for some other reason related to the wording of their letters and there was nothing else she could tell me. It doesn't make sense to me, and this will impact my credit score. This appears to be a dishonest and unfair action on the part of Synchrony Bank. I am attaching copies of the letters from Synchrony as well as a copy of my most recent credit score reports prior to receiving these letters.
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 a 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.
Product: Debt collection

I am submitting a copy of my idtheftreport in regards to fraudulent accounts that currently reflecting on my credit report. Please remove XXXX XXXX XXXX from my credit report immediately I never lived there ( no lease or contract will ever be produced because I honestly never ever lived there ) and dont know what that is. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. XXXX, XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. There are also some inquiries on there that I know nothing about. 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

i am locked out of all reports they HAVE THE WRONG INFO and i can not get into my file i have sent in this request in the past and nothing they say one thing there do another
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for its continuous failure to properly investigate my credit dispute and the repeated re-addition of inaccurate information to my credit report, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\ I have been disputing this issue with TransUnion since 2022, yet they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Despite multiple disputes and supporting documentation proving the inaccuracy of the information, TransUnion has either failed to correct the error or has repeatedly reinserted the inaccurate information without proper verification or notification.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit reporting agency is prohibited from reinserting previously deleted information unless it provides written notice to the consumer within five business days and obtains certification of accuracy from the furnisher. TransUnion has violated this provision by re-adding the disputed item ( s ) without proper notification or certification of accuracy.

This ongoing negligence has significantly harmed my credit profile and financial opportunities, including [ list any consequences you've faced, such as denial of credit, higher interest rates, etc. ]. 

I have attached copies of my previous disputes, TransUnion 's responses ( or lack thereof ), and supporting documentation to substantiate my complaint. I appreciate your prompt attention to this matter and request that appropriate action be taken against TransUnion for its noncompliance with federal consumer protection laws. 
Thank you for your assistance. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
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 Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number: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: Credit card

My Credit Card and savings account were randomly locked and unusable in XX/XX/year>2023. I've called them 4 times since and each time they refuse to give me any information on what the problem is and they tell me a manager will call me to resolve. No one has called me back to resolve and I gave up trying to call them since their process to reach anyone by phone is very difficult and they make me change my account password each time before I can speak to anyone.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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: Checking or savings account

I opened a US Bank Silver Business checking account XXXX on XX/XX/2024 and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from XXXX that my loan application was denied based on Equifax. 
Equifax states that there are " A number of accounts with delinquencies. '' I alerted XXXX that I did not request a loan but as a result was able to see that Equifax is stating that I have delinquencies. I alerted Equifax to the issue and was directed back to the site to submit a dispute. 

I have done this prior regarding XXXX Bank and XXXX Bank where Equifax as XXXX late payments posted in 2013. Both accounts were in good standing when closed and have been paid in full. Equifax does not allow for further address of this issue on their site stating that the dispute was closed. 

Equifax should remove the rare XXXX day late payment from 2013 on both accounts and still burden my credit report XXXX years later. I have a perfect and 100 % payment history for over a decade and am not delinquent on any accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a crook Regions, I have proof and I have attached
Product: Money transfer, virtual currency, or money service

Hello, I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues within the platform.

Despite using Zelle numerous times and also reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle indeed 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I attempted to make a payment online to Ditech on XXXX XXXX, XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XXXX XXXX, at XXXX XXXX  when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XXXX and was advised that Ditech put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.
Product: Debt collection

On XX/XX/2020 XXXX  removed my legal name from it's records as well as my lawful social security number in favor of a fraudulent debtor who did not have my correct name or proper signature on an unsolicited agreement. I am dissatisfied with their lack of neutrality or common sense when dealing with my identity. They seem to unjustly prefer the creditors claims over consumer claims even when confronted with fraud. For the record I provided them with a photo copy of my social security card and fl id with my full and legal name. They allowed a debtor to ruin my life with a false claim and illegitimate claims lacking my name or signature.
Product: Credit card

I'm using a BILT card, which is a card company that issues checks for rent, and I reissued a check in XXXX of this year because my landlord said he didn't receive it, and the check was charged this XXXX and the card company is telling me to pay it, but the check says VOID after 90 days, so I wasn't worried because it's old, but the card company is telling me to resolve the issue. 

Attach a check image