23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX, I had submitted to ChexSystems that I had been a victim of identity theft and I had incorrect information on my ChexSystems report, that I wanted to dispute. I received a letter today dated XX/XX/2022, advising me that the reinvestigation of 2 credit inquires, both from XXXX XXXX XXXX XXXX, dated XX/XX/2022 and XX/XX/2022 that were part of my identify theft, had been verified as accurate information. This is incorrect and unacceptable. They did not provide me with any detailed information proving to me this. XXXX ID XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i submited a dispute to Credit Bureaus About XXXX XXXX Account an disputes has been under review status for almost 2 months which violates FCRA guidlines.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX numerous times about incorrect information on my credit report that their company is responsible for reporting. XXXX XXXX IS REPORTING FALSE AND inaccurate information to the credit bureaus. XXXX XXXX is in violation of the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Act # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about them, and the company proceeded without my approval.
Product: Credit reporting or other personal consumer reports

XXXX - Consumer Affairs XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of XXXX Credit Report Entries Dear Consumer Affairs Department, I am writing to formally dispute inaccurate and misleading information appearing on my credit report, which your agency has reported. These errors are in violation of the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ( b ) ], which mandates the accuracy and fairness of consumer credit reports. The disputed accounts are as follows : XXXX. Child Support Enforcement Account Number : XXXX Balance : {$12000.00} Status : Collection/Charge-Off ( Incorrect ) Issue : The reported status and balance are inaccurate and must be corrected or removed. 
XXXX. XXXX XXXX Account Number : XXXX Balance : {$6700.00} Status : Foreclosure/Repossession ( Incorrect ) Issue : The reporting contains inaccurate information regarding the status and balance of this account.

Additionally, your agency has accessed and disclosed my personal information without my authorization, violating [ 15 U.S.C. 1681b ( a ) ( 2 ) ], which governs permissible purposes for credit reporting. This infringement of my privacy rights further constitutes a violation under [ 15 U.S.C. 1681 ( a ) ( 4 ) ].

Pursuant to my rights under the FCRA, I am requesting the immediate investigation and correction or deletion of these inaccurate entries. Failure to do so within the legally required timeframe ( 30 days ) may result in legal action. Furthermore, these violations could be classified as Aggravated Identity Theft under [ 18 U.S.C. 1028A ( a ) ( 1 ) ], which carries serious legal consequences.

To rectify these damages, I am seeking the following compensation : Unauthorized access of my credit file {$1000.00} Defamation of character {$1000.00} Damage to my reputation {$1000.00} Damage to my creditworthiness {$1000.00} Harm to my mode of living {$1000.00} Violation of my right to privacy {$1000.00} Please provide a written response to my dispute at the address listed above. Thank you for your prompt attention to this matter. Attached state ID Sincerely, XXXX XXXX XXXX
Product: Student loan

I applied for the SAVE Federal Student Loan program the day the application was available through my student loan holder, NelNet. They just approved my application yesterday for the SAVE program where my payments and interest will be waived for one year ( until I re-qualify ). I am a single-mom of XXXXXXXX XXXX children and have a XXXX XXXXXXXX XXXX XXXX against my soon to be ex-husband. I am on welfare and food stamps because of his unwillingness to support his children. I can understand charging back interest from XXXX if someone was NOT approved for SAVE, but charging interest of {$1300.00} while their company took FOUR MONTHS to process an application is just morally wrong when it's someone who qualifies for XXXX payments and interest on SAVE due to being extremely low income.
Product: Credit reporting or other personal consumer reports

I've disputed with XXXX, XXXX XXXX and Equifax, and they will not remove all the negative items from my credit as requested.
Product: Debt collection

I have no knowledge of this debt I have disputed and asked for validation on this debt and nothing was received from this debt collector.
Product: Mortgage

I took out a mortgage with a lender, which closed on XX/XX/XXXX of XXXX. I bought my home for roughly XXXX, and had about a 95 % debt to income ratio. This loan, rightfully so, came with Private mortgage insurance attached.

The loan was then sold to wellsfargo, who is my currently moratger, and whom I pay my monthly payments to. I am currently studying to become an mortgage loan officer, and with my recent education I learned about the homeowners protection act of XXXX, where I can submit an appraisal and if my debt to value ratio goes above 78-80 %, then by law, the mortgage company must take that new value into account and remove that PMI ( private mortgage insurance ). I have gone back and forth with wellsfargo regarding this PMI and the removal process. I got an appraisal done, the home appraised for XXXX, putting my loan to value at a 73 %! I informed wellsfargo, and they said they would not take my appraisal. It's ok, I thought, I didn't mind paying for another, as I should have ran that by them first. Then the next person I contacted to get the list of approved appraisers, said that the homeowners protection act does not go towards FHA loans. We hung up, and I thought I was defeated ... until I started reading more and more over the next few days. FHA loans do not have a PMI, they have an MIP ... I then called back to verify what type of loan I have and was informed it was indeed conventional. I asked about the homeowners protection act, and at this point was told that " in order to have your PMI removed by the homeowners protection act you have to have it in writing by HUD '' so of course thats where I was referred to HUD. HUD then next FHA ( which was weird, because again I don't have and FHA loan ), then CFPB and here we are. 

I just desperately would like some accurate information as to why I am unable to use my appraised value to remove my PMI under the homeowners protection act. I am so frustrated that no one, after months, is able to help me. 

I have paid my payment on time, since the day I took out my loan. Never missed a payment or been late. I make biweekly payments.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX : XXXX : {$6900.00} Date of AccountXXXX
Product: Checking or savings account

Im unable to open any checking or saving account due to identity theft done under name due to serval data breach with XXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX  I have to constantly use prepaid XXXX card which is a pain in my life. 

I never had an account with Chase, XXXX XXXX XXXX XXXX, or XXXX
Product: Mortgage

In XX/XX/XXXX I needed to find some cash to pay off a high credit card bill and paint my house as it was in bad need. I called my mortgage lender Quicken to discuss my options. After several days, I was told I because of the amount of cash I needed my only option besides a ARM was FHA due to the loan to value ratio since my house didn't appraise high enough for a Conventional loan. Never at any time was a home equity line or second mortgage offered as a solution. After consulting with a few mortgage professionals I feel Quicken Loans did not fulfill their fiduciary duty of providing me with alternative loan options to the FHA loan they sold me. It has been brought to my attention that a home equity line of credit ( HELOC ) would have clearly been a better option. Quicken Loan took me, a repeat client, from a rate of 3.875 % ( 30 year fixed with 28 years until payoff ) to a 30 year fixed FHA loan with a rate of 4.75 %, hard costs of {$5100.00}, and monthly Mortgage Insurance of {$190.00}. In simple terms I paid {$5100.00} in fees, am now paying {$430.00} more a month, and reset my amortization term to 30 years to get {$22000.00} cash out. This does not take in to consideration that I am now paying approximately {$280.00} more in interest per month. Additionally mortgage insurance isn't a tax write off as with the interest from a second mortgage.
Product: Debt collection

I was contacted by XXXX XXXX XXXX today ( XX/XX/XXXX ) on my cell phone @ XXXX, yesterday ( XX/XX/XXXX ) @ XXXX, XX/XX/XXXX@ XXXX,  XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX. They have also called me repeatedly at home.

They state that this call is being recorded and the purpose is to collect a debt. When I ask what this debt is for, they hang up. If I ask them to produce an invoice, they hang up. When I ask them to cease and desist, they hang up, but still call.

I am not aware of this debt. I have not had a debt like this within the past 7 years that I am aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Debt collection

I do not owe LVNV FUNDING LLC for the amount of {$1700.00} and {$780.00}. This account is fraudulent. I never signed an agreement with LVNV FUNDING LLC. This company has failed to produce written documentation proving that I owe this debt. I demand LVNV FUNDING LLC to stop reporting this to the following credit bureaus : XXXX, XXXX, and XXXX.
Product: Bank account or service

Over & over my clients are reporting they are unable to pay PayPal invoices I send to them. The ones that call me, when I have called PayPal with the client on the phone, report that PayPal is telling us that their " internal security module '' is blocking my ability to get paid & my clients ' ability to hire me. Most of these clients never call me to tell me that they are having these problems with PayPal & I simply never hear back from them & lose the business. PayPal is therefore operating to destroy my law firm business w these secretive, arbitrary denials of my good clients with good money & their ability to do business with my law firm. I want to know what exactly is contained in these " internal security modules '' & why they are picking on me & my business & not others. Even worse, PayPal never notifies me when a potential client tries to pay so that I can contact them to obtain some alternate form of payment. Or PayPal makes them open up a PayPal acct which is overly intrusive.
Product: Payday loan, title loan, or personal loan

Got a call from new york ( XXXX ) XXXX. They said they were from a settlement company a law office and if I didnt pay the settlement that I could be arrested as soon as tomorrow that I would lose my job I would go to jail and it would be reported to the credit bureau XXXX They said I had to buy a XXXX XXXX so I can pay them because that is all they took the settlement was for {$400.00} I went to the nearest convenience store to buy the XXXX XXXX gave them the information.Then I looked up the law firm and it came up as a scam I quickly use the {$400.00} for something else to use the money since I can not take it out at the ATM the XXXX XXXX prepaid card is in zeros now. I also got instructions to take a picture of the card front and back and the receipt and send it to XXXX XXXX phone number is XXXX.
Product: Checking or savings account

On XX/XX/XXXX I was cornered by a man at my Chase bank ( XXXX XXXX XXXX, XXXX, NY XXXX ). The man had a check of {$700.00} that he told me to deposit into my account so that he could get the cash that he needed. I told him to speak with the chase office but they weren't open. I was alone and felt scared so I did as I was told. The check went through and the funds were available in my account and I gave him {$500.00} cash and was told to transfer the rest via XXXX. On XX/XX/XXXX, my account went to the negatives as I was charged the {$700.00}. I explained the bank, customer service, and fraud dept. but they turned my case down. We were able to deduce that the check was associated with XXXX XXXX and deemed altered. XXXX XXXX then returned the money from the check to the original check 's owner. They claimed they wouldn't be able to do anything without the owner 's permission. I have been trying to contact the owner but they were not picking up my calls. They read my message and accepted the XXXX transfer. Chase contacted XXXX XXXX today and XXXX XXXX refused to return the money. So my account has been withdrawn and the person who deposited the check into my account has the money in their account.
Product: Prepaid card

My complaint is in regards to this company refusal to do anything to help when it came to an issue regarding an expired prepaid card that still contained funds. In XXXX of XXXX I was given a gift card for the amount of {$300.00} for helping out with a survey. The expiration date on the card listed XXXX. I attempted to use the card prior to the expiration date to pay an online lawyer but it would constantly give me an error when doing so. I then contacted the bank in XXXX of XXXX regarding this issue, they told em they would be giving em a XXXX prepaid card with the {$300.00} loaded on it. When I received the new card I attempted to use it once again but was getting the same error. When calling them back again they informed me that the funds had expired and that they had changed their mind refusing to do anything to resolve the issue. I then filed a complaint with the CFPB regarding this issue and got a call from soeme in their XXXX office but after verifying my information with them they hung up on me. Even in the company response all they did was give me a number to contact them, I have called that number several times and have been given no answer back. I need for them to make it right and reissue the card with the {$300.00} on the card. This issue was never resolved by the company.
Product: Vehicle loan or lease

I have a motorcycle loan with Fifth Third Bank and recieved a call on XX/XX/XXXX about a late payment even though I have never recieved ANY mail, loan docs, or payment request from them. On XX/XX/XXXX I paid two months ( XXXX and XXXX ) and put my account on autopay. On XX/XX/XXXX I get a notice my credit score has changed - I look via my Platnium XXXX XXXX view and it shows a deliquency from Fifth Third Bank yet I have recieved NO letters from them alerting me of this and only ONE missed call from them on the XXXX. They made almost zero effort to alert me of this situation which was a measly {$100.00} payment. Today XX/XX/XXXX I called them and they show my autopay is setup but the payments did not go through and they can not do anything about the deliquency. I paid 5 months at once today to bring my account two months ahead and rescheduled autopay. Fifth Third made no apoligies and no effort to rectify this situation. My credit history is impeccible with zero late payments in the 15 years I have had it established and now I have a deliquency on my account due to Fifth Thirds lack of communicaiton. Again, I have not recieved a single piece of mail from them and do not even have copies of my loan documents. 

I would like to have any negative marks removed from my credit history. Please let me know how this can be accomplished.
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 impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card

Kindly see the documents i attached for the dispute of the late payment that should not be listed on my credit report.
Product: Mortgage

Chase Bank has been making me to make my mortgage payment in CASH ... on loan number XXXX. I was told that I had to pay in CASH because I was XXXX, and had a previous check ( NSF ), which I tried to explain to them that my vehicle been broken into, and my check book was stolen, and that I had to close the checking account due to attempted fraud on the checking account. No where in my loan documents does it state at ANY time or regardless for ANY reason do I have to make my mortgage payment in CASH only!!!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 55 financial loss, and I seek appropriate redress 45
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised.

Please block and delete the following accounts from my credit report : Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. US DEPT ED Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX 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