23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I set up my account so I pay on a bi-weekly basis, and have been doing so since closing on my refi a few years ago. NewRez reps have advised their system is set up correctly, and all appropriate notations have been included to support this bi-weekly approach. Unfortunately, NewRez continues to apply some of my bi-weekly payments as additional principle payments, so my account goes into a delinquent status often. I've called a few times, had my account corrected and received reassurances that the problem is resolved. I suspect it's a systemic issue, as the folks that I've talked to in the call center have all appeared to be knowledgeable on what happened ( ie they located the issue quickly ) and have all taken steps to resolve.

This morning 's alert that my FICO dropped 141 points was the tipping point for me. I logged into my NewRez account, and it once again shows I'm delinquent. This is the worst experience I have ever had with a mortgage account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 COMENITY CAPITAL BANK ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.
Product: Vehicle loan or lease

The company is harassing me through emails and phone calls. I am not authorized to pay this company and they are constantly emailing me for a debt I do not owe. Im tired of being harassed for a debt that my deceased husband owed.
Product: Debt collection

I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with XXXX Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my XXXX credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXXXXXX about XXXX miles away from my current residence. I did own a home XXXX miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with XXXX  that indicated there was a credit inquiry by XXXX XXXX on XX/XX/XXXX. It was about the time I made a purchase from XXXX for tires and wheels for $ XXXX I actually took a XXXX payment offer through XXXX  that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have reached out to all three credit bureaus to fix the accuracy of my reports. they have had over 60 days to do so and have done nothing. a lot of the inquiries were not made by me and I had to go through a long drawn out identity theft process. I have also done my own research and these reports are not accurate. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
In accordance with the fair credit reporting act, the inaccurate non validated information 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. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX Validate Account XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX  Validate Account XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXX Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX  Validate Account XXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address an ongoing issue regarding a collection account that continues to be reported on my credit file, despite its settlement. This situation has persisted for far too long, and I expect it to be rectified immediately.
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 unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by Medicare. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by Medicare and that all information is correct.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Bank of America XXXX XXXX card number XXXX XXXX Claim number XXXX request to a reevaluate the denied claim reconsideration for return of funds of {$1500.00} for the claim that disputes an additional charge for a double debit of that posted an error for an additional debit that seems to be a total withdrawal I did not make or receive funds for at XXXX XXXX XXXX XXXX. on XX/XX/XXXX the transaction being disputed is exactly the same as a teller withdrawal that that is a valid transaction earlier that day at XXXX XXXX. and on XX/XX/XXXX that I did make and receive the payment for {$1500.00} at the Bank of America in XXXX branch
Product: Credit reporting or other personal consumer reports

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I contacted American First Finance to see what my balance was. They informed me. I also asked for the original amount because the remaining balance seemed high. They said there were fees and sales tax. I asked if i was paying sales tax on every payment, which they said yes. See attachments
Product: Debt collection

This credit card account WAS not opened in XXXX is was opened in XXXX and the last payment and the made in XXXX. This company has brought the debt and it starting the time all over. Which is not to be done. Per Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent accounts and inquiries listed below be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of identity theft stemming from a data breach, these accounts and inquiries were fraudulently opened or made in my name without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX AXXXX 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 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 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 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
Product: Money transfers

On XXXX/XXXX/15 - I attempted to make a mobile check deposit to XXXX from my account at XXXX XXXX. I received an error message and made XXXX additional attempts. XXXX online app indicated none of the deposits were made because their system was having problems, when in fact, all XXXX checks were deposited, XXXX with the same check # - all totaling {$7000.00} ( a deposit of {$3000.00}, XXXX of {$2000.00} and XXXX more for {$2000.00} ). That afternoon - all checks posted to the XXXX account and I immediately called XXXX the next day. XXXX rep was rude, put me on hold, and then informed me that only XXXX of the {$2000.00} deposits would be reversed and it would take 5-7 days. I received a letter dated XXXX/XXXX/15 from XXXX stating that the account was adjusted in the amount of {$2000.00}. The funds were not returned to XXXX - even though past the 5-7 day mark ( XXXX - XXXX ). I called XXXX on XXXX/XXXX/15 - the rep told me the money was 'in limbo ' and that they discovered the mistake ( Wrong - I called them! ) and that I would need to contact XXXX and give them a case number to retrieve the {$.00} XXXX did nothing in error - this is a XXXX issue, and stemmed from their system having performance problems. So now, not only am I out of the use of my {$2000.00} for the past several days, but I have lost interest on those funds and use of those funds to pay a credit card, so there might be interest charges accruing on the credit card I would have otherwise paid with this {$2000.00}. I want to note I have had repeated problems with XXXX.
Product: Checking or savings account

I am filing a complaint because my bank, Capital One, has not send in my direct deposit. They are withholding my funds, because of technical difficulties which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires a timely manner to deliver the funds. I am worried about my protection as a consumer & member of Capital One for my information and money. I would like to resolve this issue and asking for your assistance to investigate the matter, so that I am ensure my rights are being taken into consideration and upheld by Capital One. Thank you very much!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX filing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX typically respond in XXXX hours that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are inaccurate and according to the Fair Credit Reporting Act. Whenever a Consumer Reporting Agency prepares a consumer Report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to MOHELA XXXX is not complete and accurate. Eight accounts that appear on my Consumer Credit Report. XXXX. {$2200.00} XXXX. {$3000.00} XXXX. {$3500.00} XXXX. {$6100.00} XXXX. {$3500.00} XXXX {$6000.00} XXXX. {$4500.00} XXXX. {$6000.00}. According to 15 USC 1681s-2 Relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is RADIUSGLOBAL XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RADIUSGLOBAL XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation RADIUSGLOBAL is held liable as well for defamation and in the state of NC
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLL
OWING : 1. DELETION OF THE ACCOUNT XXXX XXXX XXXX XXXX XXXX 2. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX Equifax XXXX breach. On XX/XX/XXXX A fraudulent closed account from XXXX  XXXX XXXX XXXX showed up on my Equifax credit report and the date it appeared it automatically showed under remarks : consumer disputes, reinvestigation in progress. Charged off account. XXXX XXXX XXXX says they dont have an account with my information. How did this get on my Equifax credit report then? Something is going on with Equifax and its scary. 
I didnt even have a chance to dispute it and it wont let me follow the process to dispute the closed account myself nor can I see the progress of the dispute on my equifax account. Its clearly fraudulent. I cant get through to anyone at Equifax to help me and spent hours on the phone with them only to be disconnected by the representative. No one ever called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax is still in VIOLATION of the Fair credit reporting act. I have a lawsuit going on right now case number XXXX and all three companies have yet to remove all late payments and charged off accounts form my credit profile and that a violation of 15 usc 1681,15 usc 1681a ( 2 ) 15 usc 1681b, 15 usc 1681c. This a clear violation of the FCRA because anything disputed or in LITIGATION needs to be removed from the credit profile immediately until the lawsuit is resolved. I want every derogatory item deleted from my Credit profile immediately.
Product: Credit card

I got the Capital one 1 % cashback credit card. None of the paperwork or online statements indicated at all that their is a yearly membership fee, I called prior to activating the card and again just before the first bill came due to ask both times if their were to be any kind of charges other than what I charged both times by phone they said no then my bill includes a XXXX dollar annual membership fee for having their card, no one told me despite several opportunities in writing or by phone that I would have that charge I did not agree to that charge and they refuse to remove it saying by activating my card I accepted the charge, their was never any kind of warning that I would have a membership fee, I will pay it, I know it is common to have a yearly fee on all financial accounts but the shady way they just throw it at you is really very unprofessional, and I am not sure it is even legal.