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

XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and XXXX XXXX.
Product: Debt collection

My most recent credit report includes several accounts that I did not authorize. I request the immediate removal and blocking of these fraudulent entries.
Product: Credit reporting or other personal consumer reports

TRANS UNION IS REPORTING AN ACCOUNT ANDBALANCE THAT DO NOT BELOG TO ME THE CREDIT CARD COMAPNY HAS REMOVED THE ACCOUNT AND BALCEN FROM MY NAME AND TRANS UNION HAS STILL NOT CORRECTED THE ISSUE THE ACCOUNT BELOW SHOULD BE DELETED AND CLSOED AND REFLECTING XXXX BALANCE XXXX XXXX Exceptional payment history {$3700.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type XXXX account Date opened XX/XX/XXXX Open/closed Open Status Paid or paying as agreed Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$8000.00} Credit usage 46 % Monthly payment {$68.00} Past due amount {$0.00} Highest balance {$3700.00} Terms - Responsibility Individual account Your statement - Payment history XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - XXXX - XXXX Time - Data Unavailable Contact info
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are in complete violation of my consumer rights. 15 USC 1681B A2 states that no one can furnish information on a consumer 's credit report without their written instructions.18 USC 1028A states this is consider a form of identity theft if i didnt give permission. 15 USC 1681 Section A states i have the right to privacy. All accounts reporting on my credit report are inaccurate and not mines. They are misleading, unfair, and I want all the negative close accounts deleted immediately. I have a recent credit report identity theft report, and letters i sent to each organization. Again i command that XXXX, Experian, and XXXX cease and desist any negative reporting without my permission and consent. Any future reporting of these negative inaccurate closed account will result in legal actions taken to protect the consumer XXXX XXXX XXXX [ XXXX ] UCC 1-308 without prejudice.
Product: Debt collection

XXXX of 2018 I oncured a medical bill for {$180.00}. I did space it off and it got turned over to collection 's. I got it taken off of one credit beurea already.The collection agency has still not notified me to date by mail or phone about this collection. I have same address and phone # as always and still nothing. I know I forgot, but I should have a chance to pay off before being turned over to collection 's. I found out only by checking my credit report it was there. This hit hurts me buying a home and would even be willing to pay for them to delete it. Thanl you!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/23 I CALLED EQUIFAX IN REGARDS TO NOT HAVING ACCESS TO MY CREDIT REPORT AND REPORTING THE CREDIT SCORE. I'M PROMPTED WITH Your Equifax credit report summary is currently unavailable. Please call our XXXX XXXX team at ( XXXX ) XXXX or try again later. I CALLED AND WAS TOLD IT WAS FIXED AND IT WASN'T I CALLED BACK AND WAS TOLD THAT A TECH WILL EMAIL WITH A TICKET TO FIX THE ISSUE. I CAN'T SEE MY REPORT! IT CONSENTLY SAY 'S We are temporarily unable to complete this request. 
Please try again later. MY CREDIT SCORE IS REPORTING WRONG AS WELL I HAD MY SCORE PULLED AND WAS GIVING THE WRONG SCORE WHICH DENIED ME A CREDIT CARD TODAY DUE TO REPORTING.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting and dealing with 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 's findings indicate that Zelle has not only neglected to protect customers 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: Debt collection

Opened account with XXXX in XXXX. Closed account in XXXX. In XXXX XXXX I receive a call stating I owe money. I have tried to show that I did not make the purchase. I was told different information every time I spoke to the debt collection company. What I have learned is that a computer was purchased in XXXX with a change of address. I live in XXXX and have for over 30 years. The product was sent to XXXX. I am just hearing about this in XXXX XXXX! I have tried to explain that I have never lived in XXXX. I have even spoken with XXXX. After XXXX transfers I find out that the email and password to what was suppose to be a closed account was changed. That is how the purchase was made. I am trying to clear this debt without paying for something I did not purchase. I purchase all of my computer equipment through XXXX XXXX. XXXX says the account is now closed. However the debt collector is still sending me invoices of payment due. What do I do? I see no reason to pay for something I did not purchase. I am trying to cooperate. XXXX said they could not send me any invoice or statement of the purchase. I did receive a statement from the debt collector for XXXX XXXX. It has a XXXX XXXX XXXX address.
Product: Debt collection

RAUCH- MILLIKEN INTERNATIONAL , ONC IS TRYING TO COLLECT ON A DENT I DO NOT OWE THEM
Product: Prepaid card

On Saturday XX/XX/XXXX, I received a debit card in the mail ( not yet activated ) from a company called NetSpend for an account that I could deposit my paycheck to. I have been a victim of identity theft and this account was opened without my consent. 

When I called to cancel the account and described why I needed to close the account, the customer service rep suggested that I keep the card in case I wanted to activate it in the future. I told him no and that the account should be cancelled immediately. He told me that he he cancelled the account but I have no proof and he couldn't provide me with any. 

I am sure this will happen again with this company, as they were indifferent to my complaint and I got the impression they weren't taking me seriously.
Product: Debt collection

In XX/XX/2021 ( approximately ), I received a letter from a company that I thought was XXXX They were offering a better monthly rate, and I was and still am with XXXX for many years, now. I accepted the offer for the better rate. 

The company then sent me a letter, and a sim card to install in my phone. I began to get suspicous, and read the letter and the fine print. This company was purporting to be XXXX but in fact they were a competitor. I don't recall the name. 

Then I started receiving bills in the mail from the above company, whom we will call " X ''. Now I am receiving phone calls every day, several times a day, from a collector who is representing company X. The collection company is Frontline Asset Strategies, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, telephone XXXX, website : www.frontlineas.com and payment site : www.payfrontline.com. 

I don't owe them anything, as this stems from a company posing as XXXX. My XXXX bill has always been paid every month, and is auto pay, and is current, as always. 

XXXX
Product: Money transfer, virtual currency, or money service

About a week ago, I was contacted by someone on a social media app, XXXX, about an XXXX opportunity including cryptocurrency. And coin exchange. I downloaded the app which was in XXXX XXXXXXXX XXXX, called crypto.com. And that led to another app called XXXX XXXX XXXX. The app seemed legitimate and there were many reviews. I hid any private information during the exchange but eventually realized the app was a scam as well. 
We had multiple exchanges on the app, text XXXX ( XXXX ) XXXX, XXXX With the person XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  with XXXX XXXX  XXXX XXXX XXXX. 
I was convinced to send money thinking that the app was real and that there was no connection between the 2. The amount totals in {$50000.00}. 
When I realized what had happened, I tried to gain my money back but to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FLXXXX XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within XXXX  days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX XXXX **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX  Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The company retaliated against me after advocating for my rights via regulation E and Z disputes, raising concerns about consumer rights violations, and informing them that my account on their platform was hacked and my information subject to cyber attack and theft! I also experienced violent and disrespectful phone calls with representatives and again after filing a CFPB complaint the company retaliated by closing my accounts!
Product: Debt collection

To Whom It May Concern, I am writing in response to the recent notification from XXXX XXXX, XXXX indicating that my account has been returned to your office for further handling. This matter involves significant legal violations that need immediate attention to avoid further escalation.

Legal Violations 1.Failure to Provide Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to full validation of the debt, including the original signed agreement, itemized breakdown of the charges, and proof of legal assignment or sale to any third-party agency. Neither XXXX nor XXXX XXXX, XXXX, has provided the requested documentation.

2.Improper Reporting of Disputed Debt If this debt has been or will be reported to any credit reporting agency, doing so without proper validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). As of this communication, the debt remains disputed, and no further reporting is lawful.

3.Negligence in Assigning Debt Afterpays decision to place this account with a collection agency without prior validation or notice to me demonstrates negligence and non-compliance with the FDCPA and Metro 2 Reporting Standards.

4.Emotional and Financial Harm The mishandling of this matter has caused undue stress and forced me to spend significant time and resources addressing these violations. This situation could have been avoided had XXXX followed the required consumer protection laws. 


Potential Litigation and Costs If XXXX fails to comply with this demand, I will have no choice but to escalate this matter. This includes : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 
Pursuing a federal lawsuit seeking statutory damages of up to {$1000.00} per violation under the FDCPA and additional damages under the FCRA. 
Initiating arbitration or legal proceedings, wherein XXXX will be responsible for arbitration and legal fees. 

Case law, including XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ), underscores the legal precedent for holding companies accountable for violations of consumer rights. 

Deadline for Response You are hereby given 15 business days to respond to this letter with the requested documentation and a resolution proposal. Failure to do so will result in immediate legal action and formal complaints to the appropriate regulatory authorities.

Thank you for your prompt attention to this matter. I look forward to resolving this issue in a manner that upholds my consumer rights. 

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

Account Name : XXXX XXXX. 
Account Number : XXXX I have identified inaccuracies in the reporting of my payment history for this account. Specifically, I paid off the outstanding balance in full prior to the dates of the reported late payments. Therefore, the late payment information is incorrect and should be removed from my credit report. 

1. Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ) :
Product: Mortgage

We recently refinanced our mortgage. The lender, Freedom Mortgage, charged us for four pay-off statements even though there were only two payoffs received by the escrow company. So the overcharge was {$60.00}. We reached out to Freedom by phone an email. They refused to confirm that we would receive a refund of {$60.00} for the two additional pay-offs.
Product: Credit reporting or other personal consumer reports

Hi, On XXXX XXXX XXXX  pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

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: Mortgage

My payments have been consistently misapplied by servicer. I have spoken to them every month to try and rectify, but have gotten nowhere. I make weekly payments to the servicer.
They claim to keep payments in a suspense account until a full payment is received. However, that is not what they do in fact. Some payments consistently get misapplied to principal rather than the next monthly payment, causing late fees and penalties, even though a full payment has been made and received. After calling, they usually resolve, but I do not always receive a complete refund for the improper late fees. I end up having to call over {$5.00}, it 's ridiculous. The documentation of my payments has gotten so confusing that I am not even sure anymore what has been applied or paid. I made weekly payments in the past with other servicers and did not have any issues.
They should apply payments first to outstanding interest, than to principal. Alternatively, they should follow their own procedures when collecting payments. If they are placing into suspense account, that should be consistently done. I should not have to guess how my payment will be applied and then have to call EVERY MONTH to resolve improper late fees. I have given them ample opportunity ( 10 or more phone calls ) to resolve before resorting to this complaint and they have failed to do so.
Product: Mortgage

Our loan agreement ( Paragraph 5 ) describes how the monthly interest rate is calculated. It is based upon the prime rate reported in the XXXX XXXX XXXX plus 1 % and the monthly billing cycle applied by the bank. The XXXX XXXX XXXX lowered prime on XX/XX/2019 - no rate reduction was applied by the lender on either the XX/XX/XXXX loan statement nor the XX/XX/XXXX statement. No explanation of any sort has been provided despite repeated attempts to contact the bank and its loan servicing agent - by phone, e-mail and letter. Please realize that this policy of the lender likely affects thousands of borrowers, not just our loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XX/XX/XXXX, TransUnion and XX/XX/XXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXX, TransUnion and XX/XX/XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. I am confident that by submitting this 3rd inquiry that I will finally receive a proper response from the credit bureaus to my concerns.
Product: Checking or savings account

Someone have taken my identity with Fifth Third bank. The account number ending in XXXX. I have filed a police report and there have been multiple charges to my account with my permission and knowledge. Someone have got a hold of my account and stole funds and Fifth third is saying their going to close my accounts and end the banking relationship for something I didn't do or have any knowledge of. I have been a victim of identity theft. I want this to be investigated properly and for them to explain why I am being held accountable.
Product: Debt collection

I had a medical debt with XXXX and have been paying them no fly to solve. There was an invoice they sent to an old address and never attempted to send to correct updated address they had in their system. They sent me to collections with Capio. I contacted Capio, requested itemized statement. Called XXXX to solve this issue as it should have never gone to collections in the first place. XXXX told me to contact Capio to solve and make payment arrangement. Capio told me XXXX can pull the bad debt back to XXXX. XXXX refuses.