23daVinci/CFPB_Complaints huggingface dataset:
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 account # XXXX Account name : XXXX  XXXX account # XXXX Account name : XXXX XXXX  account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # : XXXX 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: Mortgage

Called customer service XXXX to confirm that new mortgage had received payment and additional funds had been applied to principal. Two separate payments are being sent for the monthly payment to mortgage company. Talked with rep and then supervisor. They said they dont accept partial payments and this would cause errors. I received my statement for XXXX showing an overdue payment of {$480.00} when in fact 2 partial payments of {$700.00} had been received by this company 3 weeks earlier well covering the {$1100.00} payment. I called again on XX/XX/XXXX and talked to 2 different reps and the 2 supervisors, XXXX and XXXX. I ask to speak to the quality department or their manager but they both stated that there was only the supervisor. I only ask that the funds sent to them with my account number be credited in a timely manner every month to my mortgage. They are unable to do this. I am sending them my money to pay on my mortgage and this company can not guarantee where my money will end up in their payment process. This is unacceptable.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), I request that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICE - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, only authorized inquiries with my explicit permission should appear on my credit report. 

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/18, I was sent to collections for a debt that was not mine. The medical debt, XXXX XXXX XXXX   did not submit the billing to my EMPLOYER as directed on the Self insured form. They continued to send me the bill, however, I was injured as a result of an assault while on duty at work. XXXX sent my account to RENTON COLLECTION # XXXX. This collection should not be in my credit report, as this has been paid by my employer and this debt is not mine.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Charge-Off on Loan for XXXX  XXXX Outlander To Whom It May Concern : I am writing to formally request the XXXX assistance regarding a charge-off reported on my account for a XXXX  XXXX XXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation.

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines. 

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

Sincerely, XXXX 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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX 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: Debt collection

Company states they are " XXXX XXXX XXXX '', They us numerous ficticious phone numbers and do not leave messages. I spoke to a representative and advised them I work in XXXX XXXX and do not give payment information over the phone. I advised them to contact me via mail. They further state the debt is in excess of {$950.00} which has been confirmed to be under {$500.00}. The numbers they call from are all over the country. Latest from XXXX Also received a call from XXXX. I do not answer unknown callers and am tired of receiving 4 - 5 calls a day every day from these people.
Product: Credit card or prepaid card

Citibank ( Home Depot Credit Card ) attempted to send me a refund at the end of last year by transferring {$100.00} to my bank, XXXX XXXX XXXX. My bank rejected the transfer. On XXXX, XXXX, I received a Statement indicating that a payment of {$100.00} was due. I called on XX/XX/XXXX to explain that I did not receive the transfer and was told it would be corrected in 7 days. It was not corrected. Every month since I've received statements indicating that a {$100.00} payment was due, and every month I called to report the error, and every month I was told that the error would be corrected. I have spent countless hours on the phone futilely trying to get the error corrected. Last week, I was told it would be fixed this week after I faxed 6 months of Banks statements to prove that I never received the transfer. Today, I was told it will take 15 business days. There is no reason to believe them because I've been told that countless times. On XX/XX/XXXX, 10 days from now, Citibank will report " my '' late payment to the credit reporting agencies.

I have no written record from Citibank ( other than my notes of my calls ) because they do not issue a claims number for tracking. I have to rely on Citibank 's phone log and customer recordings. Citibank 's Customer Service system is broken. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On date ( XX/XX/XXXX ) I, as the ( consumer ), fowarded via U.S.postage a Notice Of Adverse Action requesting for Credit Reporting Agency ( " Transunion '' ) to provide me documentation of any and all Written Indorsed Signature of Consumer-Creditor Relationship Enabling Agreement To Disclose Non-Public Information Before Non Affiliated Third Parties The consumer thus provided precedent case law authority in which, to place Transunion on factual notice, that findings from the court established Transunion as a " financial Instituition '' pursuant to 15 U.S. Code 6802 ; i.e.- The Federal Trade Commission ( FTC ) permissibly determined that TRANSUNION provides services that comes within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). See Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ). Transunion failed to provide me any documentations in which enabled a creditor - consumer relationship, supra, and provided no legal authority to the contrary of the precedent ruling in which Transunion falls under the Gramm-Leach-Bliley Act in which to compensate the consumer per violation of 15 U.S. Code 6802 ( a ) & ( b ), additional, Transunion provided data of the consumers report reflecting transactions and experiences between the consumer and the creditors/ persons who made the report.This act of disclosure performed violates 15 U.S. Code 1681a ( d ) ( 2 ) .The consumer stated that Transunion violated the consumers Privacy Act of 1974 and absent to providing such data, the consumer requested for compensation and no response was provided via Transunion.
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 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 CFPB 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX  XXXX XXXX - ACCOUNT # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

My home flooded during Hurricane Harvey. I was told by the insurance company that it would take two months for them to make a payment on the claim. Since I knew the money was coming for the repairs, I went ahead an authorized the repairs and paid for them out of pocket to the extent of {$57000.00}. When I received the check from the insurance company, SLS was listed on the check. When I contacted them I was told that I had to send the check to them and that they would endorse it and send it back. After spending {$75.00} to overnight the check to SLS, they then waited three days to open it and then deposited it into their account. I have been calling daily for almost a month now asking to speak to a manager but every time I call I am told a manager is not available but they will have one return my call. On Wednesday XX/XX/XXXX I spoke to a XXXX XXXX who told me that he would have XXXX XXXX return my call within 24 hours. After not hearing from XXXX after 48 hours, I have attempted to call numerous times and left numerous messages but she will not return my call.
Product: Mortgage

We had a short sale contract we presented Shellpoint mortgage company during which time they transferred our loan to XXXX XXXX without our knowledge until a week before our foreclosure date. Shellpoint sent our home to foreclosure and XXXX XXXX would not help us remedy the situation even with a short sale contract.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, Equifax, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting XXXX  for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Product: Debt collection

The amount of debit is {$1700.00}. Call members of my family such as a ex brother in law and ex mother in law and shared info about my debit. I has also asked to have reduced payments and Was told that that wasnt an option that the collector may pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. XXXX  XXXX late pay, One Main Financial account that says its in collections. Thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I filed a dispute for fraud and provided copies of the police reports and FTC statement. I also notified them on which accounts were to be disputed and removed from my credit profile. In the process of their investigation they deleted items from my credit report that I did not dispute or request to be removed. I asked them to place the items back on my credit profile. They stated in writing that the account would remain on my credit profile however it is not reversing and has caused additional damage to my XXXX XXXX. I did not dispute the account with XXXX CARD that starts with XXXX opened on XX/XX/XXXX. I demand that this item and all prior history pertaining to the account be placed back on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


Sincerely, XXXX XXXX
Product: Prepaid card

Chase Bank has a card called XXXX I applied and got the temp, card someone in Texas tried to send me money on it then Chase cancelled my card and said I could n't do any business with them any more. No reason for it at all this showed me the thing is a fraud and need 's to be shut down.
Product: Student loan

My loan was sold from Sallie Mae to NAVIENT 4 years ago, and the payment increased to more than I can pay each month. 

I applied for IBR, hoping to lower my monthly payment. NAVIENT made my monthly amount due {$0.00}, but now there is over {$20000.00} in interest fees added to my loan amount. 

I want to do the right thing and pay this loan off, but need help finding a REALISTIC way to do so. The terms Navient offers are not workable and are putting me further and further into debt every month. 

I called the company 2 times to discuss this, and was not given any assistance. 

Please help!
Product: Debt collection

To whom it may concern : This debt has never been validated or verified. I have no recollection of the addresses listed, I have no knowledge of the XXXX  disputes, I have no recollection or first hand knowledge of ever being in contract to do business with Brown 's collection Service. If the the true bill of XXXX XXXX received can be upload or the blue ink signature contract agreeing to this alleged debt is owed, I will agree to settle the account. If those particular documents can not be produced, I demand that the debt collector stop reporting on my consumer report and delete the account. This is beginning to look like we need to reach out to TIGTA in order to rectify this situation.
Product: Credit reporting or other personal consumer reports

The " date of opened '' is reported differently with each bureau. Also the " date of last reported '' " last payment '' and " last active '' are not the same for each bureau. That is a violation of the Fair Credit Reporting Act 602. Congressional findings an XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : 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 XX/XX/XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX XXXX, XXXX my mortgage servicer, Seterus, contacted someone unaffliated with my mortgage - my ex-wife. Our divorce was finalized in XXXX XXXX. The mortgage orginated in XXXX XXXX ( Seterus acquired the note XXXX ). Seterus has my contact information as well as my current wife 's contact information on file with the account. Yet, Seterus called my ex-wife 's house phone number which is listed under her current married last name and is different than the phone number that we had when married. The Seterus representative asked for me by name. The representative did not disclose why they were seeking me and refused to remove her name & number from the account at her request since she is not personally connected to the account. Seterus verified that they have my contact information on file as they contacted me via cellphone on XXXX XXXX, XXXX. The representative stated during that call that I was contacted on XXXX XXXX, XXXX, which I corrected. There is absolutely no way that my account with Seterus has my ex-wife 's information associated with it. My specific complaint is that Seterus conducted itself in an unprofessional, haphazard and wreckless manner by intentionally contacting someone unrealted with my account. This continued practice easily could result in Seterus breaching confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX