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

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to purchase my firs-time home buyer and I came across my credit report and I realized that I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report it is a defamation to my character.
Product: Credit reporting or other personal consumer reports

Im incredibly disappointed to see inaccurate accounts on my credit report this morningit was a complete shock. Ive always checked my credit report carefully, and I had no reason to expect discrepancies like this. Even when I tried refreshing my browser, hoping it was just a technical glitch, nothing changed. This has made me uneasy, and I urge a detailed review of the documents I provided to ensure I can have peace of mind in the future.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Zelle, a peer-to-peer payment service that has faced legal challenges due to inadequate fraud protection measures. Consumers, including myself, have been negatively impacted by unauthorized transactions and fraudulent activities facilitated through Zelles platform.

Many users, including myself, have experienced instances where unauthorized transactions occurred, yet Zelle and its partner banks refused to reimburse the funds. Despite clear evidence of fraud, their customer service has been unresponsive, and their dispute resolution process remains inadequate. 

Additionally, Zelles liability policies contradict consumer protection laws, as it does not provide sufficient safeguards against fraud. The ongoing lawsuit highlights the companys failure to implement necessary security measures, leaving users vulnerable to financial losses. 

I urge the CFPB to take appropriate regulatory action to ensure Zelle enforces stricter fraud prevention mechanisms and improves its customer reimbursement policies. Consumers deserve a secure and transparent platform that upholds financial safety standards. 

Thank you for your attention to this matter.
Product: Mortgage

in XXXX I purchased a property, with 1st TD and 2nd TD. I was deceived, and my payments went to high. and I could not afford making payments on 2nd TD, I looked assistance to get a Loan Modification with 2nd TD, and 1st TD as well. 
lender of the 1st TD, they provided a Loan Modification, I am current with them now.for several years. 

on the 2nd TD, this loan has been sold several times, almost every company who had it, did not pay attention to my request for a Loan Modification. 
Because i did not have any resolution on my request for loan modification, I have not made any payments on it. 
The current company who owns the account is Trinity Financial Services LLC, on or about XXXX XXXX, XXXX, they started to collect for this account, i spoke to them, and nobody paid attention, then I went to a XXXX XXXX  HUD approved, who previously helped me to get a Loan Modification on the 1st TD, and on approximately XXXX XXXX, they helped me to submit a Loan Modification Package to Trinity Financial. 
They received the package and eventually they requested more income documents and more explanations, which I submitted. It has been taking very long time, and no decision, they took the file to Upper management to get an approval, they review the file, and requested more documents, which I submitted, they did not respond, i had to call every week to see if any decision. 
There are many other actions/activities that looks out of order, and would like to show you, that this company is not complying with Federal Lending Regulations. 
In future correspondence i can provide more information on this matter. But just as an example they denied me and Appeal to their Decision. I was told that after a Denial, I had the Right to Appeal to the their decision. 

I need CFPB, help, I do not want to loose my property. please help me. 
Thank you very much for now will identify myself as Single Mom who does not want to loose her Property. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX, Account XXXX : XXXX - Account # 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't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX RECEIVABLES MGMT CORP XXXX {$4500.00} Balance updated. 
XX/XX/year> I am filing a complaint regarding unauthorized reporting of a medical debt on my credit report which does not belong to me and constitutes a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPPA ) and Fair Credit Report Act ( FCRA ) On XX/XX/year>, I discovered that Receivables MGMT CORP reported a hospital bill to the credit bureaus ( XXXX, XXXX, and XXXX ) in the amount of {$4500.00} from XXXX XXXX XXXX XXXX. I have never received any medical services from this hospital, and this debt does not belong to me. 

Upon further investigation, I believe that the reporting of this hospital bill violates HIPAA, as the disclosure of my protected health information ( PHI ) to the credit reporting agencies was done without my authorization. Additionally, this incorrect information has negatively impacted my credit score, causing unnecessary financial harm.

Violation of HIPAA : According to 45 CFR 164.502, covered entities, including healthcare providers and their business associates, must obtain patient consent before disclosing PHI, including information related to medical debts. The improper sharing of my PHI to credit bureaus, especially for a debt that is not mine, constitutes a clear violation of HIPAA 's privacy provisions.
Product: Credit reporting or other personal consumer reports

MY CREDIT HAS BEEN HACKED ANDI HAVE BEEN A VICTIM OF THE DATA BREACH AND THEFT THESE INQUIRIES ARE NOT MINE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked Experian why my credit score dropped XXXX points in one day when nothing changed on my credit report. They sent an email today telling me they could better respond to my question over the phone. I already tried that and they cant explain over the phone. I want the response in writing.
Product: Credit card or prepaid card

I reported charges on my card in XXXX. They sent out multiple cards that I never received and was activated and used by someone else. I still kept the card and paid the monthly statement on time during the investigation. Its just them more than 45 days and they did not review my case and denied me. I sent them proof of my police report and other documents and they still have not finished with my case again. Now they have recorded it on my credit report making it look like I have that here in this bad credit. Contact the grass many of times to fix my account and verify proof of that of my identity
Product: Mortgage

We are in an active bankruptcy with the full knowledge of SLS. They continuously take late fees out of my monthly payment. This causes the payment to go into suspension. 
We have a new mortgage servicer which is XXXX. SLS transferred these charges to our new account. 
There is {$800.00} that needs to be credited in late fees as a servicer can't charge fees in bankruptcy and surely can't short your mortgage payment as a result.
Product: Student loan

I have XXXX loans with Navient totaling {$60000.00}. Each loan has a co-signer. In or about XX/XX/XXXX, I requested information/ instructions from Navient to get the co-signer released from the account. I was employed full-time and earned $ XXXX annually, so I was capable of repaying the loan without the co-signer 's assistance. I was told by a Navient rep that once I made XXXX timely consecutive payments towards the principal I could apply for a co-signer release. I started repaying the loan in or about XXXX, so by XXXX I had made more than XXXX payments on the account. However, I was told that because I missed a payment and/or changed to an interest only payment plan, any prior payments would not count towards the XXXX payment requisite. I paid the XXXX consecutive payments, but Navient refused to release my co-signer when I applied for the release in or about XX/XX/XXXX citing my debt-to-income ratio was too high. My primary debt was my student loans -- the only other debt was a {$15000.00} car note ( {$350.00} per month ). The Navient rep told me to continue to make payments and apply for the co-signer release again. I complied and applied again for the co-signer release only to be told that I was again ineligible. 

I graduated from school in XXXX. This loan is nearly 20 years old and I have not been able to get the co-signer removed despite multiple requests. Navient has now been banned from handling student loans due to unscrupulous practices.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit card or prepaid card

I opened a new card with Bank of America for a balance transfer. It took BoA a number of months to show the transferred balanced. Finally BoA sent a statement in XXXX that indicated not only a balance but a late charge. 

I paid the total immediately using my chase account as well as the XXXX balance so this would have been less than 30 days after BoA claims I missed a payment. I also configured autopay at this time. 

BoA waited another month and then reported XXXX as 30 days past due! I discovered this when they sent a letter indicating they were reducing my limit. This gave me an artificial high utilization and the combination destroyed the excellent credit rating I've carefully cultivated for years chopping it to a 'good ' overnight. 

Since BoA was unwilling to fix the score I contacted two of three major credit bureaus. XXXX 's dispute mechanism seems to be broken. XXXX refuses to correct my report, siding with BoA despite my ability to show proof of payment within XXXX. 

It is impossible for a payment in XXXX to be 30 days late from a bill BoA claims was due in XXXX even if they had actually sent me a bill to indicate a payment due in XXXX ( which they did not ). 

This is BoA up to their now notorious anti-consumer tricks, manufacturing late fees and destroying people 's credit to keep them XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this inaccurate account on my credit report with the credit bureaus for XXXX XXXX for some time now. I was told by the credit bureaus to reach out to this creditor about this account which I did. I have sent an initial dispute letter to this company which was delivered on XX/XX/XXXX and here is the tracking to prove it was received XXXX. I asked XXXX XXXX to validate this account and to provide sufficient proof and documents that show this account belongs to me. I have also submitted a complaint against this company on XX/XX/2021 which they have yet to respond to and its been over a month and they have still yet to respond to my complaint and dispute. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have also asked the credit bureaus how have they verified this account when XXXX XXXX  has yet to respond to my dispute and prove me with sufficient documents that show who this account belongs to. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Navient ( Department of Education XXXX XXXX ) submitted an update letter to the three major credit reporting agencies : XXXX, Equifax, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.
Product: Money transfer, virtual currency, or money service

I have had my account with PayPal for 8 years with no incidents. XX/XX/2019 I started XXXX  XXXX To a cusnsumer whom made several transactions through XX/XX/2019 as well. In XX/XX/2019 I noticed my PayPal account had become several hundred dollars in the negative. I made contact with PayPal in these regulars to submit validation and text messages to prove that the transactions were legit from the customer whom contested them with their financial institution. The claim was filed with PayPal and almost instantly denied in my favor. I called several times and was advised PayPal had no control over the out come because the transactions had been submitted by the individual from the friends and family selection PayPals app? I do not agree this is possible as PayPal seen that I had spent the money in question and they had refunded it to the bank under the same liability clause and in return deducted that balance putting my account in the negative. Bias as this is saying that my account is less than one of the financial institutions is not fair I trusted them with my financial business or money and how can the bank of said customer have a Stronger pull on the outcome if I gave proof to validate any of the information given? I also advised PayPal of the 2 month delay that it took the consumer to alert their financial institution and they claim they can not control the outcome! I think its sad if they can get away with this treatment. I do not agree and Im trying to maintain professionalism. My 8 years with PayPal should speak for itself that this incident is not my fault or unauthorized. The transactions were valid and the real reason the consumer had to dispute the transactions was due to his significant other questions the XXXX nature of the listed XXXX  items he had received and she had discovered his secret thus causing him to cover his tracks lying and disputing the paper trail sadly. I submitted the texts to PayPal for their records and they have done nothing to help me. Is is because of the XXXX part? Im so confused how a financial institution can persuade another under false pretenses if their consumer is the one at fault? I dont do business with this alleged institution Im doing business through PayPal they are the ones violating my trust rights by allowing manipulation through banks or liars to contest valid charges. I do not care what selection is used during said transactions through PayPal they need to fix this!
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Flagstar Bank holds the mortgage and HELOC on my primary residence. I made early mortgage and HELOC payments for XX/XX/XXXX on XX/XX/XXXX, opting specifically to make an early payment for each as I was scheduled for XXXX XXXX XXXX XX/XX/XXXX and didn't know how long I would be in the hospital recovering or if I would even survive. I used Flagstar 's website to make the payments, following their standard payment webpage. The bank decided, apparently at random, to apply my HELOC payment as principal and not to pay my regular XXXX payment. There was nothing noted about this on their website or in the payment process. It's now XX/XX/XXXX and I received a collections call from Flagstar Bank, stating that I owed my XX/XX/XXXX payment. After some back and forth, they are now going to apply the 'principal " payment to the XX/XX/XXXX payment. The bank agent told me that I could expect future payments that are done early to be applied to principal, whether I'm specifically choosing to make payments or not. This is incredibly deceptive. The agent would not tell me whether my credit was going to be affected by a 'late payment ' or who I could escalate this issue to at Flagstar Bank XXXX I need an escalation path to ensure that the payment is really applied correctly and to help me ensure that my future payments get applied properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX