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

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency and original creditor are in violation of my consumer rights. 
Account name : XXXX XXXXXXXX XXXX  Account number : XXXX. The balance on this account is inaccurate. My limit was {$300.00} but my balance is reporting as {$500.00}. How can this balance be correct when my limit is only {$300.00}? Also the original creditor and the credit reporting agencies are continuing to report this account as charged off month after month for 13 months after the initial charge off.date. An account can legally only be charged off one time. Once the account is charged off there should not be any updates to the account per FCRA rules and regulations.
Product: Mortgage

I have requested the PMI be removed from my mortgage due to the fact that I have over 31 % equity in the property and have for well over 6 months. My written request for cancellation of the PMI along with proof that I now have equity far in excess of the requirements to drop PMI have been acknowledged yet denied by the loan servicer. 
Lakeview Loan Service is refusing to cancel the PMI from my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE BANKRUPTCY CODE, LEXIS NEXUS MUST FURNISH ME A RECAP REPORTS OF ALL PUBLIC RECORDS, TAX LIENS, JUDGEMENTS ETC..ALSO TO WHAT CREDIT REPORTING AGENCIES, ENTIRE HISTORIES..ALL PROPERTIES OWED OVER THE LAST 20 YEARS.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 many 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 tracking these transactions was unfeasible. The CFPB 's 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 card

On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. 
I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.
Product: Credit reporting or other personal consumer reports

I am writing to address several inaccuracies on my credit reports that need immediate correction. 

XXXX. XXXX XXXX XXXX XXXX This account is showing as closed and needs to be removed immediately as it was paid in full and should no longer be on my credit profile. 
XXXX. XXXX XXXX XXXX : This account is closed and should not be reflected on my credit report at all. 
XXXX XXXX XXXX XXXX : This account was a collection that has been closed and paid in full. I have submitted proof of this several times, yet it still appears on my credit report. 
XXXX. XXXX XXXX XXXX XXXX This account has been closed for a while, but it still inaccurately reflects as open on my credit report. 
XXXX XXXX XXXX XXXX This account is also closed and should not be reflected on my credit report as it is inaccurate. 
XXXX XXXX : This account is closed and needs to be removed from my credit report as well. 

I have made multiple attempts to dispute these inaccuracies, but they remain uncorrected. I am requesting that these accounts be removed or updated to reflect their true status immediately. Thank you for your attention to this matter.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX received a text from BofA that said, " BofA fraud message. Did you attempt a purchase at XXXX XXXX for {$260.00} on XX/XX/XXXX? Please reply Y or N. 
XXXX replied no, and then the next text message was, " This card is blocked. A representative will contact you shortly. Then, at XXXX, XXXX received a call. The person on the phone said this was a representative from Bank of America. We are attempting to verify a fraud alert on your account. They asked about XXXX 's charge of {$260.00} and another charge of {$1500.00} out of XXXX, Texas. They said you will receive a text message right now. The text message said, " Reply with your personal identification number on the XXXX card ending to deactivate. We will never call you to ask you to verify this piece of information, '' the BofA representative was on the phone reassuring us that BofA would never ask you to verbally verify anything over the phone. XXXX typed in the four-digit PIN in order to deactivate the card. Following that, a text message from BofA said input was received. Please wait for the representative to complete the process. At XXXX XXXX the representative told us he would be sending us another code to investigate the charge. XXXX received the text message with the code ; he then told us he had a few more steps for us to make sure that the other charge for {$1500.00} in XXXX was not ours ; it was a XXXX payment attempt. He texted XXXX the code ; XXXX gave him the code ; he said they would be sending a couple more " test texts '' to verify this account to freeze the account in order to verify, and we would have to contact BofA in a couple of days. The text message said, " BofA security quick draw funding XXXX, we detected suspicious transfer activity that may be possible fraud or a scam. Did you send {$3800.00} to XXXX XXXX XXXX, with XXXX from an account ending in XXXX? Beware, BofA will never ask you to transfer money to anyone, including yourself. Dont transfer money as a result of an unexpected text or call. The money you send may not be recoverable. If you authorize this activity and still want to proceed, please reply Yes ; if not, reply No. To opt out of fraud alerts, text Stop. The whole time we were receiving these text messages, the B of a representative was on the phone telling us these were Test Text Msgs and to reply yes. XXXX asked him are you sure? The representative said yes, these are made-up companies and emails from BoFA. He said the next text would be from security. " It says BofA security ; thank you for confirming your XXXX transaction will be processed. To opt out of fraud alert text, stop. He then proceeded to tell XXXX that there would be one more test text msg from the same company with a different amount, but all other info would be the same made-up content. The amount was {$3600.00}. He then told XXXX to reply yes to confirm and put a freeze on the account, which would block us from going online, which it did. XXXX tried changing the password a few days later, but it would not allow her to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Regional Acceptance Co XXXX XXXX XXXX Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance. 


The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
XXXX XXXX : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
XXXX XXXX  : This account reflects a balance I do not owe. This account does not belong to me and is being reported inaccurately. 
Regional Acceptance Co : This account contains incorrect late payments. 

XXXX XXXXXXXX : This account contains incorrect late payments. 


Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts.

2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ).

3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report.

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX  XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Mortgage

On XXXX we made an offer on a short sale in XXXX, FL. OnXX/XX/XXXX I contacted XXXX/Finance of America concerning mortgage. Throughout the months ofXX/XX/XXXX, XXXX andXX/XX/XXXX we provided requested documentation to lender, some multiple times. Lender received notification short sale was most likely a go and wanted to close on XX/XX/XXXX. Loan Processor, agreed to the closing date. On XX/XX/XXXX we received notification the short sale had been approved. We submitted termite inspection, home and flood insurance proof ( an estimate of this cost was submitted in mid-XX/XX/XXXX ), soon after we had final approval of the short sale and was aware of the closing date.XX/XX/XXXX came and went with no closing, we finally closed onXX/XX/XXXXand assessed a late fee of {$2200.00}. We did open a credit account at XXXX 's for {$2000.00} for purchase of a washer and dryer onXX/XX/XXXX. 
I am attaching correspondence we have had with Finance of America and emails between the closing agent and Finance of America
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint because XXXXXXXX XXXX is refusing to remove the {$0.00} charge off that is still continuing to be reported on my reports even though the charge off was paid. This is my second complaint. XXXXXXXX XXXX  stated incorrectly in the response that was provided on XXXX that the charge account is being reported correctly with a {$0.00} balance since it had been sold to another party ( third party debt collector ). I have already received communication from XXXX XXXX XXXX ( the letter that was received was attached to the initial complaint, but apparently was not read by XXXXXXXX XXXX prior to a response being provided to me ), stating that the balance that was placed on my reports by XXXX XXXX XXXX ( which had a balance tied to it and was not the {$0.00} charge off that XXXX still has on my reports ) would be removed after full payment. XXXX XXXX XXXX has already done its part and removed their account from my reports. XXXX XXXX  HAS NOT. The {$0.00} charge off/collection account from XXXX XXXX is continuing to cause unjust hardship as the information is still appearing on all of my credit reports and is affecting me in a negative manner as it relates to my credit. The {$0.00} charge off that is on my reports from XXXX XXXX should not still be on any of my reports because it is not accurate since the charge off has already been paid. The information proving that is being attached again for reference along with reports showing the {$0.00} charge off/collection that is appearing on my credit reports from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My new car insurance provider ( XXXX ) says that I have a record on my driving report. This is affecting me because i have never had any claim or be responsible for any automotive incident. The increase my insurance premiums rate by {$170.00}. 

They claim they got the records from LEXISNEXIS RISK SOLUTIONS ( XXXX  ) their contact number is XXXX.
Product: Checking or savings account

I went to get gas on Wednesday XX/XX/year> and my transaction was stopped at just over XXXX dollars. I tried to use my card again to finish my transaction and it was declined due to insufficient funds. I was sure I should have had at least XXXX dollars in the account so I immediately looked at my online account and realized there were XXXX transactions that were unauthorized to make purchases on XXXX and to make purchases on XXXX both on their app platforms. Upon contacting the companys they informed me that the transactions were done online and the accounts that used my debit card were both registered to a name different then mine. After confiding this out I contacted Chime to report the unauthorized transactions and to file a claim .In less then XXXX hours they came back with investigation results denying and closing my claim.
Product: Credit card

Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting inaccurate information, they have reported to the credit bureaus that I was late in XXXX and XX/XX/2018. I wasn't late and it also states I was 90 days late, I had brought this up to them and they changed my credit reports to different 90 day payment late times to XXXX XXXX XXXX, they are falsifying information as they reported I'm late when I was never late, they are continuing to show that I'm late 90 days when I had on time payments in the previous months. I am requesting that these payments are showed as paid on time and never late, I've sent a letter to the CEO and they are just giving me the run around. it clearly is reporting in accurate information on being late in XX/XX/2018 and XX/XX/2018, then they moved the late reporting and changed it after I had did my last dispute so the credit bureau or navient is moving around the late payment dates with the bureaus and no one is wanting to help me resolve this I am asking for a full proof of what the in accurate reporting to the credit bureaus and also why on the credit pulls I've done they are changing the late times. please look at the credit reports that I've enclosed. its the job Navient to report the accurate info to the bureaus and they are not and then change the info and please look at the proof in the attachments. please look at the enclosed attachments and you can see they changed the information to the credit bureaus on the times I was late after I did my dispute on this in accuracy. the reports I have saved for XXXX and XXXX show the XXXX and XX/XX/2018 I was 90 days late and after I had done several disputes for the inaccurate info Navient then change the 90 day late payments to XXXX and XX/XX/2018 so this is falsifying or minupalting or certainly reporting inaccurate information please look at this and help me delete this account for reporting inaccurate information on my credit bureau reports. after I did my disputes they went and changed the information reporting to now a different time to the previous month so this shows they aren't telling the truth regardless.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX MI - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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: Credit reporting

Equifax did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

During the XXXX  my card was froze I couldn't get into my account until a couple months ago I lost my car my house everything they sent me a check for {$500.00} telling it's to covering the harm they caused when I wasn't able to get my money {$500.00} when in fact it was over {$20000.00} that they owe me how do I get my money